allianz travel insurance deductible

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Allianz Travel Insurance review: Is it a good option for your next trip?

With plenty of options to choose from, allianz likely has the right coverage for your trip..

Travel insurance can offer peace of mind — and financial protection — when you travel. Whether you want minimal coverage for emergencies or are looking for a more comprehensive plan, Allianz Travel Insurance probably has an option that will work for your situation.

CNBC Select breaks down the types of coverage Allianz includes in its policies, the features it offers and other providers you should consider.

Allianz Travel Insurance review

Other insurance offered, how it compares, bottom line, allianz travel insurance.

The best way to estimate your costs is to request a quote

Policy highlights

10 travel insurance plans make it possible to customize your coverage. For families, Allianz's OneTrip Prime package covers children age 17 and younger when traveling with a parent or grandparent.

24/7 assistance available

• Trip cancellation benefits can reimburse your prepaid, nonrefundable trip payments if you have to cancel your trip for one of the covered reasons stated in your plan documents. 
• Limited coverage for risky sports

Allianz Travel Insurance is a global insurance provider. It partners with airlines, travel agencies, resorts, credit card issuers and other companies to offer worldwide travel coverage. The insurer currently offers 10 trip coverage plans, giving travelers plenty of options that range from single-trip plans to plans that cover all your travel for a year.

For example, OneTrip Prime provides trip cancellation/interruption, emergency transportation, baggage loss or delay and other key benefits for a single trip up to 180 days. AllTrips Executive, on the other hand, is a multi-trip plan designed for business travel with higher trip cancellation and interruption limits and coverage for business equipment. You can also opt for OneTrip Rental Car Protector if you need primary car rental coverage against collision, loss and damage.

These plans let you easily tailor your insurance to your situation. Here are the types of coverage that Allianz Travel can include in your plan:

• Trip cancellation
• Trip interruption
• Emergency medical (this covers medical and dental emergencies that happen during your trip)
• Emergency medical transportation
• Baggage loss/damage
• Baggage delay
• Travel delay
• Travel accident
• SmartBenefits℠ (this includes automatic and no-receipts payments for trip delays and no-receipts claims for baggage delays)
• Change fees (this coverage can reimburse you for the fees the airline charges when you have to change the dates of your flight)
• Loyalty program redeposit fee coverage (with this coverage, you can get reimbursement for frequent flyer mile redeposit fees if your trip is canceled or interrupted)
• 24/7 hotline assistance
• Concierge services
• Rental car collision damage waiver
• Existing medical condition (this benefit waives the pre-existing medical condition coverage exclusion)

The types and limits of coverage benefits you can get vary by plan.

Many travel cards provide travel insurance benefits . To avoid duplicate coverage, go through your card's terms and conditions and see what your issuer already offers.

One of the features that helped Allianz Travel land a spot on our list of the best travel insurance is the Cancel Anytime benefit. Included with OneTrip Prime and OneTrip Premier plans, Cancel Anytime can reimburse 80% of your unused, pre-paid, non-refundable trip costs if you have to cancel your trip for just about any unexpected reason.

Additionally, the insurer offers 24/7 global assistance to refer you to a prescreened hospital during your trip.

Policyholders can also use the TravelSmart TM  app and check for flight status updates, the latest travel advisories and restrictions for their destination, local emergency services and hospitals and more. The app allows travelers to pull up their protection plan whenever they need and file a claim online.

As of writing, Allianz Travel doesn't advertise any discounts. That said, discounts aren't as common with this type of coverage, especially compared to home and auto insurance .

Allianz is a large global company offering a wide range of financial products and services. In the U.S., that includes travel insurance, life insurance and business insurance.

Allianz Travel can be a solid choice if you're looking to purchase travel insurance. However, it's always a wise idea to compare multiple options to ensure you're getting a good deal.

For instance, AXA Assistance USA travel insurance is also a good provider. You can pick from three plans with the most affordable one starting at just $16, according to the company's website. The most comprehensive option is the Platinum plan which comes with the option to cancel for any reason.

AXA Assistance USA Travel Insurance

AXA Assistance USA offers several travel insurance policies that include travel interruption, trip cancellation, and the option of cancel for any reason (CFAR) coverage.

Travel Guard® Travel Insurance also offers a selection of plans, ranging from last-minute options to an annual travel plan. Or you can request a specialty plan, but you'll need to speak to a representative to do so.

Travel Guard® Travel Insurance

Travel Guard offers a variety of plans to suit travel ranging from road trips to long cruises. For air travelers, Travel Guard can help assist with tracking baggage or covering lost or delayed baggage.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

With 10 available plans to choose from, Allianz Travel makes it easy to get the right travel insurance coverage for your upcoming trip. Multi-trip plans are also available for those who frequently travel, including for business. Still, we recommend gathering several quotes and comparing plans before you purchase travel insurance. Just like with any financial product, it pays to shop around for this type of coverage.

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every travel insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of travel insurance products . While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.

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11 Best Travel Insurance Companies in May 2024

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

If the past few years have shown us anything, it’s that travelers need to be prepared for the unexpected — from a pandemic to flight troubles to the crowded airport terminals so many of us have encountered.

If you don't have sufficient travel insurance coverage via your credit card , you can supplement your policies with third-party plans.

Whether you’re looking for an international travel insurance plan, emergency medical care or a policy that includes extreme sports, these are the best travel insurance providers to get you covered.

How we found the best travel insurance

We looked at quotes from various companies for a 10-day trip to Mexico in September 2024. The traveler was a 55-year-old woman from Florida who spent $3,000 total on the trip, including airfare.

On average, the price of each company’s most basic coverage plan was $126.53. The costs displayed below do not include optional add-ons, such as Cancel For Any Reason coverage or pre-existing medical condition coverage.

Read our full analysis about the average cost of travel insurance so you can budget better for your next trip.

However, depending on the plan, you may be able to customize at an added cost.

As we continue to evaluate more travel insurance companies and receive fresh market data, this collection of best travel insurance companies is likely to change. See our full methodology for more details.

Best insurance companies

Types of travel insurance

What does travel insurance cover, what’s not covered, how much does it cost, do i need travel insurance, how to choose the best travel insurance policy, what are the top travel destinations in 2024, more resources for travel insurance shoppers, top credit cards with travel insurance, methodology, best travel insurance overall: berkshire hathaway travel protection.

Berkshire Hathaway Travel Protection

• ExactCare Value (basic) plan is among the least expensive we surveyed.
• Speciality plans available for road trips, luxury travel, adventure activities, flights and cruises.
• Company may reimburse claimants faster than average, including possible same-day compensation.
• Multiple "Trip Delay" coverage types might make claims confusing.
• Cheapest plan only includes fixed amounts for its coverage.

Under the direction of chair and CEO Warren Buffett, Berkshire Hathaway Travel Protection has been around since 2014. Its plans provide numerous opportunities for travelers to customize coverage to their needs.

At $135 for our sample trip, the ExactCare Value (basic) plan from Berkshire Hathaway Travel Protection offers protection roughly $10 above the average price.

Want something cheaper? Air travelers looking for inexpensive, less comprehensive protections might opt for a basic AirCare plan that includes fixed amounts for its coverage .

Read our full review of Berkshire Hathaway .

What else makes Berkshire Hathaway Travel Protection great:

Pre-existing medical condition exclusion waivers available at nearly all plan levels. 

Plans available for travelers going on a cruise, participating in extreme sports or taking a luxury trip.

ExactCare Value (basic) plan was among the least expensive we surveyed.

Best for emergency medical coverage: Allianz Global Assistance

Annual or single-trip policies are available.

• Multiple types of insurance available.
• All plans include access to a 24/7 assistance hotline.
• More expensive than average.
• CFAR upgrades are not available.
• Rental car protection is only available by adding the One Trip Rental Car protector to your plan or by purchasing a standalone rental car plan.

Allianz Global Assistance is a reputable travel insurance company offering plans for over 25 years. Customers can choose from a variety of single and annual policies to fit their needs. On top of comprehensive coverage, some travelers might opt for the more affordable OneTrip Cancellation Plus, which is geared toward domestic travelers looking for trip protections but don’t need post-departure benefits like emergency medical or baggage lost.

For our test trip, Allianz Global Assistance’s basic coverage cost $149, about $22 above average.

What else makes Allianz Global Assistance great:

Annual and single-trip plans.

Plans are available for international and domestic trips.

Stand-alone and add-on rental car damage product available.

Read our full review of Allianz Global Assistance .

Best for travelers with pre-existing medical conditions: Travel Guard by AIG

Travel Guard by AIG

• Offers last-minute coverage.
• Pre-Existing Medical Conditions Exclusion Waiver available at all plan levels.
• Plan available for business travelers.
• Cancel For Any reason coverage only available for higher-level plans, and only reimburses up to 50% of the trip cost.
• Trip interruption coverage doesn't apply to trips paid for with points and miles.

Travel Guard by AIG offers a variety of plans and coverages to fit travelers’ needs. On top of more standard trip protections like trip cancellation, interruption, baggage and medical coverage, the Cancel For Any Reason upgrade is available on certain Travel Guard plans, which allows you to cancel a trip for any reason and get 50% of your nonrefundable deposit back as long as the trip is canceled at least two days before the scheduled departure date.

At $107 for our sample trip, the Essential plan was below average, saving roughly $20.

What else makes Travel Guard by AIG great:

Three comprehensive plans and a Pack N' Go plan for last-minute travelers who don't need cancellation benefits.

Flight protection, car rental, and medical evacuation coverage, as well as annual plans available.

Pre-existing medical conditions exclusion waiver available on all plan levels, as long as it's purchased within 15 days.

Read our full review of Travel Guard by AIG .

Best for those who pack expensive equipment: Travel Insured International

Travel Insured International

• Higher-level plan include optional add-ons for event tickets and for electronic equipment
• Rental car protection add-on for just $8 per day, even on lower-level plan.
• Many of the customizations are only available on the higher-tier plan.
• Coverage cost comes in above average in our latest analysis.

Travel Insured International offers several customization options. For instance, those going to see a show may want to add on event ticket registration fee protection. Traveling with expensive gear?Consider adding on coverage for electronic equipment for up to $2,000 in coverage.

Be sure to check which policies are available in your state. You will need to input your destination, residence, trip dates and the number of travelers to get a quote and see coverages.

What else makes Travel Insured International great:

Comprehensive plans include medical expense reimbursement accidents, sickness, evacuation and pre-existing conditions, depending on the plan.

Flight plans include coverage for missed and canceled flights and lost or stolen baggage.

Read our full review of Travel Insured International .

Best for adventurous travelers: World Nomads

World Nomads

• Travelers can extend coverage mid-trip.
• The standard plan covers up to $300,000 in emergency evacuation costs.
• Plans automatically cover 200+ adventurous activities.
• No Cancel For Any Reason upgrades are available.
• No pre-existing medical condition waivers are available.

Many travel insurance plans contain exclusions for adventure sports activities. If you plan to ski, bungee jump, windsurf or parasail, this might be a plan to consider.

Note that the Standard plan ($72 for our sample trip), while the most affordable, provides less coverage than other plans. But it can be a good choice for travelers who are satisfied with trip cancellation and interruption coverage of $2,500 or less, do not need rental car damage protection, find the limits to be sufficient and do not need coverage for certain more adventurous activities.

What else makes World Nomads great:

Comprehensive international travel insurance plans.

Coverage available for adventure activities, such as trekking, mountain biking and scuba diving.

Read our full review of World Nomads .

Best for medical coverage: Travelex Insurance Services

Travelex Insurance Services

• Top-tier plan doesn’t break the bank and provides more customization opportunities.
• Offers a plan specifically for domestic travel.
• Sells a post-departure medical coverage plan.
• Fewer customization opportunities on the Basic plan.
• Though perhaps a plus for domestic travelers, keep in mind the Travel America plan only covers domestic trips.

For starters, basic coverage from Travelex Insurance Services came in at $125, almost exactly average for our sample trip.

Travelex’s plans focus heavily on providing protections that are personalized to your travel style and trip type.

While the company does offer comprehensive plans that include medical benefits, you can also choose between cheaper plans that don’t provide cancellation coverage but do offer protections during your travels.

Read our full review of Travelex Insurance Services .

What else makes Travelex Insurance Services great:

Three comprehensive plans available, two of which cover international trips.

Offers a post-departure plan geared exclusively toward disruptions after you leave home.

Two flight insurance plans available.

Best if you have travel credit card coverage: Seven Corners

Seven Corners

• Annual, medical-only and backpacker plans are available.
• Cancel For Any Reason upgrade is available for the cheapest plan.
• Cheapest plan also features a much less costly Interruption for Any Reason add-on.
• Offers only one annual policy option.

Each Seven Corners plan offers several optional add-ons. Among the more unique is a Trip Interruption for Any Reason, which allows you to interrupt a trip 48 hours after the scheduled departure date (for any reason) and receive a refund of up to 75% of your unused nonrefundable deposits.

» Jump to the best cards with travel insurance

The basic coverage plan for our trip to Mexico costs $124 — right around the average.

What else makes Seven Corners great:

Comprehensive plans for U.S. residents and foreigners, including travelers visiting the U.S.

Cheap add-ons for rental car damage, sporting equipment rental or trip interruption for any reason.

Read our full review of Seven Corners .

Best for long-term travelers: IMG

• Coverage available for adventure travelers.
• Special medical insurance for ship captains and crew members, international students and missionaries.
• Claim approval can be lengthy.

While some travel insurance companies offer just a handful of plans, with IMG, you’ll really have your pick. Though this requires a bit more research, it allows you to search for coverage that fits your travel needs.

However, travelers will want to be aware that IMG’s iTravelInsured Travel Lite is expensive. Coming in at $149.85, it’s the costliest plan on our list.

Read our full review of IMG .

What else makes IMG great:

More affordable than average.

Many plans to choose from to fit your needs.

Best for travelers with unpredictable work demands: Tin Leg

• In addition Cancel For Any Reason, some plans offer cancel for work reason coverage.
• Adventure sports-specific coverage is available.
• Plans have overlap that can be hard to distinguish.
• Only one plan includes Rental Car Damage coverage available as an add-on.

Tin Leg’s Basic plan came in at $134 for our sample trip, adding about $8 onto the average basic policy cost. Note that you’ll pay a lot more if you shop for the most comprehensive coverage, and there are eight plans to choose from for trips abroad.

The multitude of plans can help you find coverage that fits your needs, but with so many to choose from, deciding can be daunting.

The only real way to figure out your ideal plan is to compare them all, look at the plan details and decide which features and coverage suit you and your travel style best.

Read our full Tin Leg review .

Best for booking travel with points and miles: TravelSafe

• Covers up to $300 redepositing points and miles on eligible canceled award flights.
• Optional add-on protection for business equipment or sports rentals.
• Multi-trip or year-long plans aren’t available.

Selecting your travel insurance plan with TravelSafe is a fairly straightforward process. The company’s website also makes it easy to visualize how optional add-on elements influence the total cost, displaying the final price as soon as you click the coverage.

However, at $136, the Basic plan was among the more expensive for our trip to Mexico.

What else makes TravelSafe great:

Rental car damage coverage add-on is available on both plans.

Cancel For Any Reason coverage available on the TravelSafe Classic plan.

Read our full TravelSafe review .

Best for group travel insurance: HTH Insurance

HTH Travel Insurance

• Covers travelers up to 95 years old.
• Includes direct pay option so members can avoid having to pay up front for services.
• A 24-hour delay is required for baggage delay coverage on the TripProtector Economy plan.
• No waivers for pre-existing conditions on the lower-level plan.

HTH offers single-trip and multitrip medical insurance coverage as well as trip protection plans.

At around $125, the Trip Protector Economy policy is at the average mark for plans we reviewed.

You can choose to insure group trips for educators, crew, religious missionaries and corporate travelers.

What else makes HTH Insurance great:

Medical-only coverage and trip protection coverage.

Lots of options for group travelers.

Read our full review of HTH Insurance .

As you shop for travel insurance, you’ll find many of the same coverage categories across numerous plans.

Trip cancellation

This covers the prepaid costs you make for your trip in cases when you need to cancel for a covered reason. This coverage helps you recoup upfront costs paid for flights and nonrefundable hotel reservations.

Trip interruption

Trip interruption benefits generally involve disruptions after you depart. It helps reimburse costs incurred for flight delays, cancellations and plenty of other covered disruptions you might encounter during your travels.

This coverage can cover the costs for you to return home or reimburse unexpected expenses like an extra hotel stay, meals and ground transportation.

Trip delay coverage helps cover unexpected costs when your trip is delayed. This is another coverage that helps offset the costs of flight trouble or other travel disruptions.

Note that many policies have a total amount a traveler can claim, with caps on per diem benefits, too.

Cancel For Any Reason

Cancel For Any Reason coverage allows you to recoup some of the upfront costs you paid for a trip even if you’re canceling for a reason not otherwise covered by your standard travel insurance policy.

Typically, adding this protection to your plan costs extra.

Baggage delay

This coverage helps cover the costs of essential items you might need when your luggage is delayed. Think toiletries, clothing and other immediate items you might need if your luggage didn’t make it on your flight.

Many travel insurance plans with baggage delay protection will specify how long (six, 12, 24 hours, etc.) your luggage must be delayed before you can make a claim.

Lost baggage

Used for travelers whose luggage is lost or stolen, this helps recoup the lost value of the items in your bag.

You’ll want to make sure you closely follow the correct procedures for your plan. Many plans include a maximum total amount you can claim under this coverage and a per-item cap.

Travel medical insurance

This covers out-of-pocket medical costs when travelers run into an emergency.

Because many travelers’ health insurance plans don’t cover medical care overseas, travel medical insurance can help offset out-of-pocket health care costs.

In addition to emergency medical coverage, many plans have medical evacuation or repatriation coverage for costs incurred when you must be taken to a hospital or return to your home country because of a medical situation.

Most travel insurance plans cover many trip protections that can help you be prepared for unexpected travel disruptions and expenses.

These coverages are generally aimed at protecting the money you put into your trip, expenses you incur because of travel trouble and costs incurred if you have a medical emergency overseas.

On top of core coverages like trip cancellation and interruption and travel medical coverage, some plans offer add-on options like waivers for pre-existing conditions, rental car collision damage waivers or adventure sports riders. These usually cost extra or must be added within a specified timeframe.

Typical travel insurance policies offer coverage for many unforeseen events, but as you research to select a plan, consider your needs. Though every plan differs, there are some commonly excluded coverages.

For instance, you typically can’t get coverage for a named storm if you bought the coverage after the storm was named. In other words, if you have a trip to the Caribbean booked for Sept. 25 and on Sept. 20 a hurricane develops and is named, you generally won’t be able to buy a travel insurance plan Sept. 21 in hopes of getting your money back.

Many plans also don’t cover activities performed under the influence of drugs or alcohol or any extreme sports. If the latter applies to you, you might want to consider a plan with specific coverages for adventure-seekers.

For numerous plans, a few other situations don’t qualify as an acceptable reason to cancel and make a claim, such as fear of travel, medical tourism or pregnancies (unless you booked a trip and bought insurance before you became pregnant or there are complications with the pregnancy). This is where a Cancel For Any Reason add-on to your coverage can be helpful.

You can also run into trouble if you give up on a trip too soon: a minor (or even multihour) flight delay likely isn’t sufficient to cancel your entire trip and get reimbursed through your plan. Be sure to review what requirements your specific plan has when it comes to canceling a trip, claiming trip interruption, etc.

Travel insurance costs vary widely. The final price of your plan will fluctuate based on your age, length of trip and destination.

It will also depend on how much coverage you need, whether you add on specialized policies (like Cancel For Any Reason or pre-existing conditions coverage), whether you plan to participate in extreme sports and other factors.

In our examples above, for instance, the 35-year-old traveler taking a $2,000 trip to Italy would have spent an average $76 for a basic plan to get coverage for things like trip cancellation and interruption, baggage protection, etc. That’s a little less than 4% of the total trip cost — lower than average.

If there were multiple members in a traveling party or if they were going on, say, a rock-climbing or bungee-jumping excursion, the costs would go up.

On average, travel insurance comes to about 5% to 10% of the trip cost. However, considering many of the plans reimburse up to 100% of the trip cost (or more) for disruptions like trip cancellation or interruption, it can be a worthwhile expense if something goes wrong.

It depends. Consider the following factors that might affect your decision: You’re young and healthy, all your bookings are refundable or cancelable without a penalty, your flights are nonstop, you’re not checking bags and a credit card you carry offers some travel protections . In that case, travel insurance might not be necessary.

On the other hand, if you prepaid a large chunk of money for a nonrefundable African safari, you’re going on a Caribbean cruise in the middle of a hurricane season or you’re going somewhere where the cost of health care is high, it’s not a bad idea to buy a travel insurance plan. Here’s how to find the best travel insurance coverage for you.

If you’re thinking of booking a trip and not planning to buy travel insurance, you may want to consider at least booking refundable airfare and not prepaying for hotel, rental car and activity reservations. That way, if something goes wrong, you can cancel without losing any money.

Selecting the best travel insurance policy comes down to your needs, concerns, preferences and budget.

As you book, take a few minutes to consider what most concerns you. Is it getting stranded because of flight trouble? Having the ability to cancel for any reason you see fit without losing money? Getting sick or injured right before departure and needing to postpone the trip? Injuring yourself or falling ill while overseas?

Ultimately, you want a plan that protects you, your money and the large investment in your trip — but doesn’t cost too much, either.

Medical coverage. If your priority is having adequate medical coverage abroad, you might want to look for plans with high limits for medical emergencies and medical evacuation.

Complex travel itinerary. If your itinerary has lots of flight connections, prepaid hotels and deposits for activities you can’t get back, prioritizing a plan with the best coverage for trip cancellations or interruptions may land at the top of your list.

Travel uncertainty. If you’re on the fence about a trip and have nonrefundable reservations, you may want to select a plan with a Cancel For Any Reason coverage option, which can help you recoup about 50% to 75% of the costs. This helps provide peace of mind, placing the decision on whether to travel entirely in your hands.

Car rentals. If you’re renting a car, a collision damage waiver is often worth looking into.

The following destinations are the top insured destinations in 2024, according to Squaremouth (a NerdWallet partner).

The Bahamas.

Costa Rica.

Antarctica.

In 2022, travelers spent about 25.53% more on trips than they did before the pandemic.

As of December, NerdWallet analysis determined travel prices are 10% higher than pre-pandemic. Each statistic makes a strong case for protecting your travel investment as you plan your next trip.

Bookmark these resources to help you make smart money moves as you shop for travel insurance.

What is travel insurance?

CFAR explained.

Is travel insurance worth getting?

10 credit cards that provide travel insurance.

Here is the list of travel cards offered by Chase that include various forms of travel insurance.

Having one of these in your wallet is a good start to protecting your travel investments and preventing expensive accidents; however, savvy travelers check card terms closely and sometimes supplement with a third-party policy, like from one of the companies above, to better protect themselves.

on Chase's website

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Trip delay: Up to $500 per trip for delays more than 12 hours.

• Car rentals: Theft and collision damage for most cars in the U.S. and abroad.

• Trip cancellation: Up to $1,500 per person and $6,000 per trip.

• Trip interruption: Up to $1,500 per person and $6,000 per trip.

• Baggage delay: Up to $100 per day for three days.

We used the following factors to choose insurance providers to highlight:

Breadth of coverage: We looked at how many plans each company offered plus the range of their standard plans. 

Depth of coverage: We considered two data points to get a sense of how much each company pays out for common travel issues — the maximum caps for trip cancellation and trip interruption claims.

Cost: By looking at the costs for basic coverage across multiple companies, we determined an average cost for shoppers to benchmark plan prices against.

Customizability: While standard plans can cover a lot of ground, sometimes you need something a little more personal.

Customer satisfaction. Using data from Squaremouth when available, and Google Reviews as a backup, we can give kudos to companies with better track records from their clients.

No, it doesn’t necessarily get more expensive the longer you wait to purchase. However, as you put off buying insurance, you may lose access to potential plans and coverage options.

In general, buying travel insurance within a few days to two weeks of prepaying or making an initial deposit for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

But, generally, many plans do allow you to buy coverage quite close to your departure date.

To get the most out of your travel insurance plan, buy it soon after making your initial prepayment or deposit to ensure you have access to the biggest menu of plans possible.

Select a plan that’s comprehensive enough to cover the travel scenarios you’re most concerned about or likely to encounter but not too expensive or laden with protections you’d never likely need.

Whatever your coverage, thoroughly review the plan so you understand what’s covered and what’s not, plus how to adhere to the plan’s rules for making a claim.

Travelers frequently use phrases like “trip insurance” and “travel insurance,” as well as “trip protection,” interchangeably, but they do mean different things, according to Stan Sandberg, founder of insurance comparison site TravelInsurance.com.

Trip insurance, or trip protection, generally refers to predeparture (or preevent) coverage if you need to cancel. You may see these plans sold by airlines, online travel agencies or even ticketed event sellers.

“You could refer to it as the portion that protects the investment in the trip,” Sandberg says.

A travel insurance plan typically includes that — plus more comprehensive benefits to protect you during your trip, from medical coverage to trip delay and lost baggage protections, and many more elements, depending on the plan.

Though travel insurance is typically not required for international trips, your personal circumstances will play a key role in whether it’s a good investment.

For instance, young, healthy travelers with few prepaid trip expenses embarking on a relatively risk-free trip may not see a need to buy a plan.

Older travelers with complicated itineraries who are visiting destinations where they could potentially fall ill or get injured — or who could encounter bad weather or some other disrupting factor along the way — may want to buy coverage.

Consider a few key questions:

How well would your health insurance plan cover you if you needed to visit a hospital overseas?

How much did you prepay for a hotel or rental car?

How much money would you be out if weather or some other flight issue derailed your itinerary?

Could you afford an unexpected night in a city where you have a connecting flight?

Do you already have a credit card that provides some travel protections?

Your answers to these questions can help you decide whether you need travel insurance for your international trip.

In general, buying travel insurance

within a few days to two weeks of prepaying or making an initial deposit

for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

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Allianz Trip Insurance

Protect your travel experience

Read about Allianz Trip Insurance’s COVID-19 insurance coverage limitations and accommodations.

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Top reasons to buy trip insurance

• Financial reimbursement if you have to cancel or interrupt your trip due to a covered illness, injury, jury duty, and more
• Emergency medical benefits in and outside the U.S. – where many personal health insurance policies (like Medicare) won’t cover you
• 24-hour emergency assistance to help you solve medical and other travel-related problems on the go

Types of trip insurance plans

Allianz Trip Insurance comes in a variety of plans to fit your specific needs. Single-trip plans can protect one trip, annual plans can protect all your trips for an entire year, and rental car protection plans can keep your budget safe from accidental collision and damage to a rental vehicle.

All insurance is recommended / offered / sold by 3rd party, Allianz Global Assistance, not American Airlines. Underwriter: Jefferson Insurance Company or BCS Insurance Company. AGA Service Company is the licensed producer and administrator of these plans. AGA Service Company is a licensed producer in all 50 states plus the District of Columbia.

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Trip insurance benefits

Reimburses your prepaid, non-refundable travel expenses if you need to cancel your trip due to a covered illness, injury, and more.

Reimburses the unused, non-refundable portion of your trip and increased transportation costs it takes for you to return home early or to continue your trip due to a covered illness, injury, and more.

Reimburses expenses related to covered emergency medical or dental care incurred on your trip.

Provides benefits for medically necessary transportation to the nearest appropriate medical facility following a covered injury or illness.

Reimburses extra meals and accommodations you may need if your flight is delayed for 6 or more hours for a covered reason.

Reimburses you if your luggage is lost, damaged or stolen during your trip—keeping your travel plans on track.

Reimburses the purchase of essential items if your luggage is delayed for more than 24 hours.

Turn your trip into a VIP experience. Our travel experts can give you destination information, make restaurant reservations, find tickets to shows, and more.

Help is just a phone call away. Our team of multilingual problem solvers is available to help you with medical and other travel-related emergencies.

Provides primary coverage with no deductible.

Review period

If you’re not completely satisfied, you have 15 days (or more, depending on your state of residence) to request a refund, provided you haven’t started your trip or initiated a claim. Plans are non-refundable after this period.

Additional assistance

Coverage by country of residence.

• Frequently asked questions

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best’s 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at 800-284-8300 or 9950 Mayland Drive,Richmond, VA 23233 or [email protected]

Email [email protected]

PLEASE BE ADVISED: This plan contains insurance benefits (which may include disability and/or health insurance benefits) that only apply during the covered trip. This optional coverage may duplicate coverage already provided by your personal auto, home, renter’s, health, life, personal liability, or other insurance policy or source of coverage but may be subject to different restrictions. You should review the terms of this policy with your existing coverage. If you have any questions about your current coverage, call your insurer/health plan or insurance agent/broker. This insurance is not required to purchase any other products/services. Unless licensed, travel retailers and their employees may provide general information about the insurance, including a description of coverage and price, but are not qualified/authorized to answer technical questions about terms, benefits, exclusions, and conditions of the insurance or evaluate the adequacy of existing coverage. Plans are intended for U.S. residents only and may not be available in all jurisdictions. Rental Car Protector is not available to KS and TX residents, except when purchased as a separate policy and is not available in all countries or for all cars. This coverage does not provide liability insurance or comply with any financial responsibility law, or any other law mandating motor vehicle coverage and does not cover you for any injury to another party. Additionally:

California Residents: We are doing business in California as Allianz Global Assistance Insurance Agency, License # 0B01400. California offers a toll-free consumer hotline at 1-800-927-4357.

New York Residents: The licensed producer represents the insurer for purposes of the sale. Compensation paid to the producer may depend on the policy selected, or the producer’s expenses, volume of business, or profitability. The purchaser may request and obtain information about the producer’s compensation, except as otherwise provided by law.

Maryland Residents: The purchase of travel insurance would make the travel insurance coverage primary to any other duplicate or similar coverage. The Commissioner may be contacted to file a complaint at: Maryland Insurance Administration, ATTN: Consumer Complaint Investigation Property/Casualty, 200 St. Paul Place, Suite 2700, Baltimore, MD 21202.

Texas Residents: Before deciding whether to purchase this insurance plan, you may wish to determine whether your own automobile insurance or credit card agreement provides you coverage for rental vehicle damage or loss and determine the amount of deductible under your own insurance coverage. The purchase of this insurance plan is not mandatory. This coverage is not all inclusive, which means it does not cover such things as personal injury, personal liability, or personal property. It does not cover you for damages to other vehicles or property. It does not cover you for any injury to any other party.

Plan charge includes the cost of insurance benefits and assistance services. See your Plan Details for more information, or call Allianz Global Assistance at 800-284-8300.

AGA Service Company dba Allianz Global Assistance (AGA) compensates their suppliers or agencies for allowing AGA to market or offer products to customers of the supplier or agency.

*Terms, conditions, and exclusions apply, including for pre-existing conditions. Plans may not be available to residents of all states. Insurance benefits are underwritten by either BCS Insurance Company or Jefferson Insurance Company, depending on insured’s state of residence. AGA Service Company is the licensed producer and administrator of these plans.

Comprehensive travel insurance plans

Emergency medical travel insurance plans.

• Non-medical travel insurance plans

Annual comprehensive travel insurance plans

• Annual emergency medical travel insurance plans
• Visitor to Canada travel insurance plans
• Seeking medical treatment
• How to file a claim
• Access Claims Portal
• Complaint resolution process
• Understanding travel insurance
• Choosing travel insurance
• Before your trip
• On your trip
• Travel Tips
• Get a quote online

With a presence in 44 countries, Allianz Global Assistance has been helping Canadians safely explore the world for over 30 years.

Our goal is to make your travel insurance experience simple from end to end, so you can focus on enjoying your next adventure.

Our Promise to You : All travel insurance plans offered by Allianz Global Assistance include a 10-day "Free Look" period.

Are you a Canadian resident travelling more than once a year? Our annual plan options might be a better fit for you. Select two or more trips to view our plan options.

Each traveller aged 65 and older is required to complete a medical screening to purchase a policy. To obtain a quote, please call us at 1-844-310-1578.

Please fill all required fields.

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Why buy an emergency medical plan option?

Medical emergencies can happen to anyone while travelling, regardless of age, destination or the length of your trip. Emergency medical insurance includes up to $10 million CAD in coverage for treatment of eligible unexpected medical emergencies, ambulance and emergency transportation services, dental emergencies, pet return, transportation of a family member of friend to your bedside and more.

Right to cancel:  If you are not satisfied with your policy, you may cancel it within 10 days of purchase as long as you have not left on your trip and have not experienced an event that would cause you to submit a claim, before you have left on your trip.

Tip:  If the "Total Trip Cost" field is left empty, trip cancellation benefits will be excluded from the quoted product options.

Plan options

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Emergency Medical Plan

Comprehensive package, you may also be interested in.

Annual emergency medical travel insurance plans

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The Best Travel Medical Insurance of 2024

Allianz Travel Insurance »

Seven Corners »

GeoBlue »

WorldTrips »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Medical Insurance Plans.

Table of Contents

• Allianz Travel Insurance
• Seven Corners

Buying travel insurance is a smart move for any type of trip, but you may not need a policy that covers everything under the sun. If you don't need coverage for trip cancellations or delays because you're relying on your travel credit card to offer these protections, for example, you may find you only need emergency medical coverage that works away from home.

Still, travel medical coverage varies widely based on included benefits, policy limits and more. If you're comparing travel insurance plans and hoping to find the best option for unexpected medical expenses, read on to learn which policies we recommend.

Frequently Asked Questions

The term travel insurance usually describes a comprehensive travel insurance policy that includes coverage for medical expenses as well as trip cancellations and interruptions, trip delays, lost baggage, and more. Meanwhile, travel medical insurance is coverage that focuses on paying for emergency medical expenses and other related care.

Travelers need international health insurance if they're visiting a place where their own health coverage will not apply. This typically includes all international trips away from home since U.S. health plans limit coverage to care required in the United States.

Note that if you don't have travel health insurance and you become sick or injured abroad, you'll be responsible for paying back any health care costs you incur.

Many travel insurance policies cover emergency medical expenses you incur during a covered trip. However, the included benefits of each policy can vary widely, and so can the policy limits that apply.

If you're looking for a travel insurance policy that offers sufficient protection for unexpected medical expenses, you'll typically want to choose a plan with at least $100,000 in coverage for emergency medical care and at least that much in protection for emergency medical evacuation and transportation.

However, higher limits can provide even more protection from overseas medical bills, which can become pricey depending on the type of care you need. As just one example, Allianz says the average cost of emergency medical evacuation can easily reach up to $200,000 or more depending on where you’re traveling.

Your U.S. health insurance policy almost never covers medical expenses incurred abroad. The same is true for most people on Medicare and especially Medicaid. If you want to ensure you have travel medical coverage that applies overseas, you should purchase a travel insurance plan with adequate limits for every trip. Read the U.S. News article on this topic for more information.

The cost of travel medical insurance can vary depending on the age of the travelers, the type of coverage purchased, the length of the trip and other factors. You can use a comparison site like TravelInsurance.com to explore different travel medical insurance plans and their cost.

• Allianz Travel Insurance: Best Overall
• Seven Corners: Best for Families
• GeoBlue: Best for Expats
• WorldTrips: Best Cost

Coverage for preexisting conditions is available as an add-on

Easy to purchase as needed for individual trips

Relatively low limits for medical expenses

No coverage for trip cancellations or trip interruption

• Up to $50,000 in emergency medical coverage
• Up to $250,000 in emergency medical evacuation coverage
• Up to $2,000 in coverage for baggage loss and damage
• Up to $600 in baggage delay insurance
• Up to $1,000 for travel delays
• Up to $10,000 in travel accident insurance
• 24-hour hotline assistance
• Concierge services

Purchase comprehensive medical coverage worth up to $5 million

Coverage for families with up to 10 people

Low coverage amounts for trip interruption

Medical coverage options vary by age

• Up to $5 million in comprehensive medical coverage
• Up to $500,000 in emergency evacuation coverage
• Up to $10,000 in coverage for incidental trips to home country
• Up to $25,000 in coverage for terrorist activity
• Up to $500 in accidental dental emergency coverage
• Up to $100 per occurrence in coverage for emergency eye exams
• $50,000 in coverage for local burial or cremation
• 24/7 travel assistance
• Up to $25,000 in coverage for accidental death and dismemberment per traveler
• Up to $500 for loss of checked baggage
• Up to $5,000 for trip interruptions
• Up to $100 per day for trip delays
• Up to $50,000 for personal liability

Qualify for international health insurance with no annual or lifetime caps

Use coverage within the U.S. with select providers

Deductible from $500 to $10,000 can apply

Doesn't come with any nonmedical travel insurance benefits

• Up to $250,000 in coverage for emergency medical evacuation
• Up to $25,000 for repatriation of mortal remains
• $50,000 in coverage for accidental death and dismemberment

High limits for medical insurance and emergency medical evacuation

Covers multiple trips over a period of up to 364 days

Deductible of $250 required for each covered trip

Copays required for medical care received in the U.S.

• Up to $1,000,000 of maximum coverage
• Up to $1,000,000 for emergency medical evacuation
• Up to $10,000 for trip interruptions
• Up to $1,000 for lost checked luggage
• Up to $100 per day for travel delays
• Up to $25,000 in personal liability coverage
• Medical coverage for eligible expenses related to COVID-19
• Ability to add coverage for your spouse and/or child(ren)
• Repatriation of remains coverage up to overall limit
• Up to $5,000 for local burial or cremation 
• $10,000 to $50,000 for common carrier accidental death

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has been writing about travel insurance and travel for more than a decade. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world and has experience navigating the claims and reimbursement process. In fact, she has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg, who has been licensed to sell travel insurance in 50 states, in their family media business.

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Allegiant Takes Off With Travel Protection From Allianz Partners

Las Vegas, NV and Richmond, VA, February 28, 2024 — Allegiant Travel Company  (NASDAQ: ALGT), the parent company of Allegiant Air , today announces a partnership with Allianz Partners USA  to offer travel protection products to Allegiant customers.

Vacationers who book air travel and vacation packages on Allegiant.com  have the option to purchase travel insurance for covered unexpected trip cancellations and interruptions. Additionally, some protection plans provide coverage for significant travel delays and covered baggage issues. Allegiant customers are also encouraged to take advantage of Allianz Partners’ award-winning travel assistance services.

“Allegiant is committed to providing our customers with convenient travel options. We know sometimes plans change and a trip has to be unexpectedly cancelled, delayed or interrupted,” said Drew Wells, Allegiant’s chief revenue officer. “Our business model offers an unbundled product that allows travelers to customize their vacation. For customers who want to travel with additional peace of mind, we are proud to offer trip protection from Allianz Partners, the industry leader in travel insurance and assistance.”

Allianz Travel Insurance* will reimburse Allegiant customers up to 100% of their insured flight cost if they have to cancel or interrupt their trip for a reason covered by their plan. These reimbursements could also cover other lost, pre-paid trip expenses such as hotel rooms and rental cars. Customers can contact Allianz Partners directly to add additional coverage to their protection plan if needed. Some available products also include coverage for significant delays and reimbursement for lost, delayed or damaged baggage.

“We are pleased to offer our consumer-focused travel protection products to Allegiant’s valued customers,” said Jeff Wright, CEO of Allianz Partners USA.  “Allegiant customers traveling to and from any of the airline’s 124 cities across the country can rest easy knowing that we’re here to protect them from the costs of covered unexpected cancellations and interruptions, as well as other situations covered by their policy.”

Allianz Travel Insurance is available in the Allegiant booking path for purchase through allegiant.com. The protection plans will be available on Allegiant’s mobile app in the future.

Allegiant guests who select Allianz Travel Insurance will have access to Allianz Partners’ award-winning TravelSmart™ mobile app. The TravelSmart app includes an Alert Center feature that provides users with location-specific travel alerts, and is the fastest, easiest way to access a travel insurance plan, file and manage a claim and contact 24-hour travel assistance services.

All benefits include coverage limits and may include a per-day maximum. Important terms, conditions and exclusions also apply.

Press contacts

[email protected]

Allianz Partners   Robin Magrisi / [email protected]    Megan Derks / [email protected]    

Allegiant – Together We Fly™

Las Vegas-based Allegiant (NASDAQ: ALGT) is an integrated travel company with an airline at its heart, focused on connecting customers with the people, places and experiences that matter most. Since 1999, Allegiant Air has linked travelers in small-to-medium cities to world-class vacation destinations with all-nonstop flights and industry-low average fares. Today, Allegiant serves communities across the nation, with base airfares less than half the cost of the average domestic roundtrip ticket. For more information, visit us at Allegiant.com . Media information, including photos, is available at http://gofly.us/iiFa303wrtF  

About Allianz Partners Allianz Partners (AGA Service Company) is a leading consumer specialty insurance and assistance company with operation centers in 35 countries. In the United States, the company offers Allianz Travel-branded travel protection plans and served millions of customers last year. AGA Service Company is doing business as Allianz Global Assistance Insurance Agency in California (License # 0B01400) and Massachusetts. In addition to travel insurance, the company offers tuition insurance, event ticket protection, registration protection for endurance events and unique travel assistance services such as international medical assistance and concierge services. The company also serves as an outsource provider for in-bound call center services and claims administration for property and casualty insurers and credit card companies.

*For Allianz Partners USA products offered and sold in the U.S.: Terms, conditions, and exclusions apply to all plans. Plans are available only to U.S. residents. Not all plans are available in all jurisdictions. Availability of Epidemic Coverage Endorsement, including specific benefits and covered reasons described here, varies by product and by state. Products may not include all benefits or covered reasons described here. All benefits are subject to maximum limits of liability, which may in some cases be subject to sublimits and daily maximums. Benefits and limits vary by plan. For a complete description of the benefits and benefit limits offered under your specific plan, carefully review your plan’s Letter of Confirmation/Declarations and Certificate of Insurance/Policy. Insurance coverage is underwritten by BCS Insurance Company (OH, Administrative Office: Oakbrook Terrace, IL), rated "A" (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: Richmond, VA), rated "A+" (Superior) by A.M. Best Co., under Jefferson Form No. 101‐C series or 101‐P series, depending on state of residence. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best’s 13 Financial Strength Ratings. Except as otherwise specified, AGA Service Company d/b/a Allianz Global Assistance is the licensed producer and administrator of Allianz Travel-branded travel protection plans in the U.S. and an affiliate of Jefferson Insurance Company. Allianz Global Assistance and TravelSmart are marks of AGA Service Company or its affiliates. The insured shall not receive any special benefit or advantage due to the affiliation between Allianz Global Assistance and Jefferson Insurance Company. Plans include insurance and assistance services. Noninsurance benefits/products are provided and serviced by Allianz Global Assistance. 

• Français

Important Notice: Effective March 11, 2020, we have determined coronavirus to be a known event for Trip Cancellation and Trip Interruption. As a result, for policies purchased on or after March 11, 2020, any Trip Cancellation or Trip Interruption claims related to coronavirus will not be payable. For more information, please click here .

Our Travel Insurance Plans

Here to help you: anytime, anywhere.

As the world's largest insurance and assistance providers, Allianz Global Assistance supports millions of our customers every year. Every day, we build on our history of providing first-class products and services to travellers around the world.

Emergency Medical Coverage

Trip cancellation coverage, comprehensive coverage, 10 day annual.

If you have any questions about our products and services, or about your policy, please feel free to contact Allianz Global Assistance anytime.

Toll Free: 1-833-324-5946 Collect: 1-519-514-1923 Email: [email protected]

Allianz Global Assistance 700 Jamieson Parkway Cambridge, ON N3C 4N6 Canada

Best travel insurance for seniors 2024

T raveling can be an exciting adventure, but it also comes with risks. As we age, unexpected health issues or accidents become more likely when away from home. Travel insurance provides seniors coverage for medical emergencies, trip cancellations or interruptions, lost luggage, and other travel mishaps. Having a policy can provide peace of mind and financial protection.

This guide was compiled after analyzing statistics from over 50 companies. We've meticulously compared the top travel insurance providers for seniors, delving into the most critical coverage options, discussing pre-existing conditions and age limits, examining costs, the claims process, COVID-19 considerations, and more. With this information, seniors can confidently find an affordable policy that aligns with their needs and embark on their travels with assurance.

Best Senior Travel Insurance Companies

When buying travel insurance for seniors, finding a reputable provider that offers comprehensive coverage options tailored to your needs is essential. Here are some top providers to consider:

Travel insurance for seniors

- Emergency Medical Coverage 

- 24/7 Emergency Assistance 

- Cancel for Any Reason 

Travel insurance for seniors provides comprehensive coverage tailored to their needs, including COVID-19 coverage, overseas emergency assistance, and medical/hospital coverage. The policy has an AA+ rating and fast online processing. The best annual travel insurance plans offer unlimited medical expense coverage, safe transportation, and 24-hour emergency assistance. With dedicated customer service, seniors can enjoy a seamless travel experience worldwide.

Comprehensive coverage for medical emergencies and trip cancellations/interruptions.

Policies designed specifically for senior travelers, including coverage for pre-existing conditions.

No age limit on many AARP travel insurance plans, providing options for those over 70 and 80.

Cons: 

Limited coverage for pre-existing conditions may leave some seniors unprotected.

Restrictions on trip duration or destinations may limit travel flexibility for seniors.

Exclusions for certain adventurous activities or extreme sports may only suit some senior travelers' preferences.

Additional Services:

Emergency Evacuation

Single Trip Travel Insurance

Domestic Travel Insurance

Ready to safeguard your travels with reliable coverage? Explore our comprehensive travel insurance plans for seniors today for peace of mind and financial protection for your next adventure. 

- Trip Cancellation - Baggage Loss 

- Emergency Evacuation 

- Repatriation

AARP offers travel insurance specifically designed for seniors, catering to the unique requirements of older travelers. Their insurance plans include coverage for medical emergencies, trip cancellations, lost luggage, and other unexpected events that may occur during travels. This insurance is crucial for seniors as it provides peace of mind and financial protection in case of health emergencies or unforeseen circumstances while abroad.

Comprehensive coverage for medical emergencies and trip cancellations/interruptions

Policies tailored to the needs of senior travelers, including coverage for pre-existing conditions

No age limit on many AARP travel insurance plans, providing options for those over 70 and 80

AARP life insurance products, including final expense policies, may be more expensive than other providers

AARP term and whole life insurance plans can be problematic for seniors to qualify for due to health questions and waiting periods

Some negative customer feedback on sites like ConsumerAffairs, though AARP's underwriter, New York Life, has average complaint ratios

Concierge Services 

Medical Assistance Hotline 

Travel Planning Assistance

- Adventure Sports Coverage 

- Global Network Assistance

International Medical Group (IMG) is a reputable provider of international medical and travel insurance, serving customers for over 20 years in more than 190 countries. They offer various plans catering to various needs, including coverage for students, travelers, expats, seniors, and more. IMG stands out for providing up to $8 million in emergency care and medical evacuation coverage, significantly higher than many competitors. Their policies offer extensive coverage limits, with medical limits reaching up to $8 million, surpassing what most other providers offer. IMG also provides additional coverages like benefits for missed flights and pet kennel bills, although these may vary by plan.

Extensive experience in the industry, serving customers for over 20 years.

Coverage available in over 190 countries.

Offers up to $8 million in emergency care and medical evacuation coverage.

Provides a diverse range of plans for seniors and other needs.

There are several bad customer reviews concerning claims processing and customer service.

Some basic plans do not include baggage delay benefits.

Travel Assistance Beyond Emergencies 

Medical Referrals

- Senior-Friendly Policies 

- Trip Cancellation Benefits

Allianz Global Assistance offers a range of travel insurance products designed for seniors, catering to travelers up to 85 years old. Their policies cover various needs, including trip curtailment, delayed personal possessions, and missed departures. Allianz's senior travel insurance is available for both inbound and outbound travel, with options for single trips and annual coverage. The company's age limit allows seniors to travel safely and with peace of mind, covering them in Europe and the rest of the world.

Offers a range of products, including single trip and annual coverage.

Provides coverage for trip curtailment, delayed personal possessions, and missed departures.

Available for both inbound and outbound travel.

Covers Europe and the rest of the world.

Some policies may have strict age restrictions, limiting coverage for older seniors.

The cost of premiums may be higher for older travelers.

The availability of certain policies may be limited due to travel restrictions.

Trip Interruption Coverage 

Concierge Services

Seven Corners

- Flexible Coverage Options

Seven Corners is a well-known travel insurance provider offering a variety of plans tailored for seniors. These plans provide comprehensive coverage for medical emergencies, trip cancellations, and lost belongings. Their plans are popular among senior travelers due to their competitive prices and generous coverage limits, including pre-existing conditions and medical evacuation options. Seven Corners stands out for its efficient claims process and excellent customer service, making it a reliable choice for older travelers. 

Comprehensive coverage for medical emergencies, trip cancellations, and lost belongings.

Competitive prices and generous coverage limits.

Options for pre-existing conditions and medical evacuation.

Efficient claims process and excellent customer service.

There are age restrictions or limited coverage for certain conditions in some policies.

Higher premiums for older travelers.

Seniors need to review plan details carefully to ensure coverage meets their needs.

Legal Assistance

Medical Translation Services

- Enhanced Medical Coverage

Tin Leg offers a variety of travel insurance plans tailored for seniors, providing comprehensive coverage for medical emergencies, trip cancellations, and lost belongings. Their policies are known for high coverage limits, particularly in medical and medical evacuation coverage. Tin Leg's customer service operates 24/7, offering assistance for various issues beyond medical emergencies. Additionally, they offer a range of deductible options, allowing seniors to customize their coverage to fit their budget.

High coverage limits, especially for medical and medical evacuation.

Competitive premiums and budget-friendly plans.

Comprehensive coverage at a lower cost compared to other providers.

24/7 customer service for various travel-related issues.

Limited customizability in plans.

Limited rental car coverage.

Trip Delay Benefits

Emergency Reunion

Trawick International

- Customizable Plans 

- Comprehensive Benefits

Trawick International offers senior travel insurance plans with higher benefits than other senior travel insurance options, making it an excellent choice for non-U.S. travelers over 70. Their policies provide comprehensive coverage for medical emergencies, trip cancellations, and lost belongings, catering to the unique needs of older travelers. Trawick International stands out for its competitive prices and generous coverage limits, including pre-existing conditions and medical evacuation options.

Pros of Trawick International Travel Insurance for Seniors:

Higher benefits than other senior travel insurance plans.

Limited availability to insureds up to age 65.

Some policies may have restricted coverage for certain conditions.

Seniors must review plan details carefully to ensure coverage meets their needs.

Medical Evacuation

Medical Monitoring Services

What Does Travel Insurance For Seniors Cover?

Travel insurance for senior citizens usually covers medical emergencies, trip cancellations or interruptions, and baggage loss or delay.

Regarding medical coverage, international travel insurance for seniors often includes travel medical insurance, which covers emergency medical expenses, hospitalization, and emergency medical evacuation. Seniors need to prioritize the medical coverage aspect of their travel insurance policy.

Travel insurance for seniors also covers trip cancellations or interruptions due to unforeseen circumstances such as illness, injury, or death of a family member. This coverage can reimburse non-refundable expenses like prepaid flights, accommodation, and tour fees.

Moreover, seniors can expect baggage loss or delay coverage, which provides compensation for replacing essential items and covers the cost of purchasing necessary clothing and toiletries while waiting for delayed baggage.

It's essential for seniors to carefully review travel insurance policies to ensure that their specific needs and requirements are adequately covered during their trips.

Please note that the coverage and specific terms of travel insurance policies for seniors may vary depending on the insurance provider and policy chosen. It is recommended to thoroughly read and understand the policy details before purchasing.

How Much Does Senior Travel Insurance Cost?

Senior travel insurance costs approximately $416 to $434 per trip. However, the cost may vary depending on age, destination, trip duration, coverage limits, and any pre-existing medical conditions. To get an accurate cost estimate, it is recommended that you obtain quotes from various insurance providers, considering your specific travel needs and circumstances.

It's worth mentioning that different insurance companies may offer other coverage options and pricing structures for cheap travel insurance for seniors, so it's advisable to compare multiple options before deciding.

How To Choose Senior Travel Insurance?

To choose the best seniors travel insurance, consider the following factors:

Coverage for Pre-existing Medical Conditions: Look for policies that offer coverage for pre-existing medical conditions, as this is crucial for seniors. Ensure the policy includes comprehensive medical coverage and emergency medical evacuation.

Age Limits and Eligibility: Check the age limits for coverage and eligibility for seniors. Some policies may have age restrictions, so it's important to find an insurer that caters specifically to seniors.

Trip Cancellation and Interruption Coverage: Evaluate if the policy offers adequate coverage for trip cancellations or interruptions, including reimbursement for pre-paid and non-refundable trip expenses due to unforeseen circumstances.

Emergency Assistance Services: Ensure the policy provides 24/7 emergency assistance services and access to a global network of healthcare providers.

Benefit Limits and Deductibles: Assess the benefit limits and deductibles to ensure they align with your travel needs and provide sufficient coverage.

Policy Flexibility and Customization: Look for policies that allow customization based on the specific requirements of the trip and the individual's health needs.

Review Customer Reviews and Ratings: Research customer reviews and ratings of different insurance companies to gauge satisfaction and reliability.

Compare Multiple Quotes: Obtain quotes from different insurance providers and compare the cost, coverage, and additional benefits offered.

Considering these factors, seniors can make informed decisions when choosing the best travel insurance.

It's important to note that the best travel insurance for seniors over 70 may vary based on individual circumstances, so it's advisable to carefully review policy details and consult with the insurance provider if necessary.

Frequently Asked Questions

Do seniors need travel insurance.

Yes, travel insurance is highly recommended for seniors. It provides coverage for a range of unexpected events such as medical emergencies, trip cancellations, lost baggage, and more.

What age is considered senior for travel insurance?

The age at which someone is considered a senior may vary among insurance providers, but it is typically around 65 years and older.

Is it expensive for seniors to purchase travel insurance abroad?

Travel insurance premiums for seniors may be slightly higher due to factors such as age and potential health risks. However, it is recommended that you compare quotes from different insurance providers to find the best coverage at a competitive price.

What insurance coverage is the most important for senior travelers?

The most important insurance coverage for senior travelers is medical coverage, specifically travel medical insurance and emergency medical evacuation coverage. These coverages provide financial protection and peace of mind in case of unexpected health emergencies while traveling.

Does senior travel insurance cover pre-existing conditions?

Travel insurance for seniors typically excludes coverage for pre-existing conditions, but some policies offer the option to obtain coverage for pre-existing conditions through a pre-existing medical condition exclusion waiver. This waiver can provide coverage for pre-existing conditions under certain conditions and restrictions.

More From Forbes

Is travel insurance refundable here’s everything you need to know.

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Sometimes, travel insurance is refundable. Here's when you can get your money back.

Peter Hoagland always checks to see if his travel insurance is refundable. That's because anything can happen between the time you book your vacation and when you leave — and because travel insurance isn't always refundable.

During the pandemic, he discovered that the hard way. He had to cancel a trip and asked for his money back from the insurance company. It refused.

"Since then, I always read the fine print on the policy," he says.

The refundability of travel insurance has always been an open question. Some countries and U.S. states regulate refundability. Travel insurance companies put refundability details in the fine print of the policy. And, as Hoagland found out, there are always exceptions.

Like the pandemic, when refund policies were all over the map. Some insurance companies adhered to their published policies. Others offered a credit that could be reused within a year, which was minimally useful because the pandemic was still happening a year later. Others quietly gave their customers a refund.

Hoagland says he fought for his money. Eventually, he contacted a manager at his travel insurance company.

"That produced a quick result," he says. "I got my money back."

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But let's face it: Getting a refund for travel insurance can be difficult. There are times when insurance is always refundable because it's required by law. There are times when it's sometimes refundable. And there are times when it's almost never refundable. But even then, there may be a way to recover some — or all — of the value of your policy.

Getting a refund for travel insurance can be a challenge

If you have a travel insurance policy and would like to get a refund, it might be easier said than done, say experts.

"While travel insurance is regulated like auto and home insurance, it’s often less standardized," says Stuart Winchester, CEO of Marble, a digital wallet for your insurance. "So first off, it’s important to check the fine print of your specific policy. Don’t assume it’s like the last one you got."

Even when you have something in writing, a refund can require some serious negotiating skills.

"Getting a refund for travel insurance can be complicated and frustrating," says Peter Hamdy, the managing director of a tour operator in Auckland, New Zealand. He's asked for a refund on policies numerous times and says that despite what travel insurance companies may tell you, there are no hard-and-fast rules when it comes to getting a refund on your policy.

"Some situations can warrant a refund," he says. "It depends on your policy."

What does a typical refundability clause look like? For example, the World Explorer Guardian from Insured Nomads notes that it's refundable only during the 10-day review period from the date of delivery or 15 days from the date of delivery if mailed, provided you have not already departed on your trip and you have not incurred any claimable losses during that time. If you depart on your trip before the expiration of the review period, the review period ends and the policy can't be refunded.

"We go a bit further with our World Explorer Travel Medical plans," notes Andrew Jernigan, CEO of Insured Nomads. "If no claims have been filed then we can refund the unused portion of the policy if you cut your trip short.”

When can you get a refund for travel insurance?

Here are the most common cases where travel insurance can be refunded:

• If you cancel during the "free look" period required by the government. Most states require what's called a "free look" period of anywhere from 10 to 14 days. "During this period, travelers can review the purchase and make sure it fits their needs," explains James Nuttall, general manager of Insubuy . "If it does not, they can cancel it for any reason and get a full refund, no questions asked, so long as you haven’t departed yet.
• If you cancel during the travel insurance company grace period. Many insurance companies also have a grace period for refunds (usually, they are the same as the "free look" although some grace periods can be longer). "If you’re outside your grace period, which typically lasts one to two weeks after signing, you’re contractually obliged to pay your premiums," says David Ciccarelli, CEO of the vacation rental site Lake . "Still, it doesn’t hurt to ask your company for a refund or alternative options if you’re outside your grace window. You might not get a yes, but it could lead to some cost savings or better solutions."
• When someone else cancels your trip. "For instance, if your cruise is canceled due to low river tide, you are not at fault and would typically receive a full refund or credit for a future sailing, thus eliminating the need for the travel insurance policy," explains Rhonda Abedsalam vice president of travel insurance for AXA Assistance US.
• If you die. Typically, the policy would be refunded to your next of kin. Generally, you can also ask for a refund if your travel companion dies before your trip.

Remember, it depends on where you buy your insurance

The refundability of your insurance can depend on where you purchased it. Commercial policies bought from a cruise or tour company are generally canceled and refunded if you cancel the trip far enough in advance of your departure date.

"The travel insurance cancellation provisions are generally tied to the cancellation provisions for the cruise or tour," explains Dan Skilken, president of TripInsurance.com . "After you have paid the last deposits on the cruise and are close enough to departure that they will not provide a refund on the cruise, they generally will also not provide a refund on the travel insurance. But if you cancel early enough to get all or most of your deposit back, you will also get your travel insurance premium refunded."

If you’ve purchased retail travel insurance from a third-party provider or comparison website, you can often get a refund if you can show receipts proving that you received a full refund of all trip deposits and have not had any cancellation penalties or taken any travel credits when you canceled your trip.

That's because retail travel insurance is sold for a specific traveler and for a specific trip. If you have proof of a complete refund and have not received travel credits, then you no longer have what's called an "insurable interest" in the trip. The insurance company must cancel and refund your premium in full, says Skilken.

Insider tip: If the insurance company refuses, just tell them you have proof that you no longer have an insurable interest in the trip. You have to have an insurable interest in a trip to own a travel insurance policy.

Your agent may be able to help you get a refund

You may also be able to lean on the agent who sold you the policy. For example, all policies on Squaremouth come with a money-back guarantee.

"The purpose of this benefit is to give travelers extra time to review their policy documentation to be sure it’s the best policy for their coverage needs," says spokeswoman Jenna Hummer. At Squaremouth, the money-back period typically lasts between 10 and 14 days, which is in line with the mandated "free look" period.

However, I have also seen agents negotiate with travel insurance companies for a more generous refund period in case of extenuating circumstances. There's no guarantee that you'll get it, but it's worth asking — and one reason to work with a third party.

Agents can also help you avoid this problem. Susan Sherren, who runs Couture Trips , a travel agency, notes that American Airlines Vacation Packages offers a predeparture protection insurance plan, which allows cancellation for any reason before the outbound departing flight time. Other restrictions apply, she adds.

"More flexibility will often cost you more," she says. "But having the flexibility is a great way to sleep well at night."

Can't get a refund? Look for other kinds of flexibility from your travel insurance company

Even if your travel insurance company says no to a refund, it doesn't necessarily mean you've lost the value of your policy.

"If a travel supplier changes or cancels your trip, you should be able to change your travel insurance policy to match the new dates of your trip or even cover a new trip, sometimes up to two years into the future," says Daniel Durazo, director of external communications at Allianz Partners USA .

Pro tip: Be sure to change the dates of your travel insurance policy before the departure date of your current itinerary. You can do that online or by calling your agent. Once the policy's effective date has passed, making any changes or initiating a refund or credit becomes much more difficult.

Don't forget to do your due diligence

Bottom line: Travel insurance is refundable under certain circumstances. But knowing when can require research.

"It's important for consumers to carefully read their policy upon receipt to understand the specific terms offered by their insurance provider," says Robert Gallagher, president of the US Travel Insurance Association.

The more you know, the likelier you are to get the refund you want when your plans change.

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What is Allianz Rental Vehicle Excess cover?

Our Rental Vehicle Excess cover is designed to provide cover towards the excess you’re liable to pay if your hire vehicle is damaged or stolen 1 . It’s included as a standard benefit in all Allianz  Comprehensive ,  Multi-Trip   and  Domestic   Travel Insurance plans.

Allianz Rental Vehicle Excess cover is an alternative to excess reduction products sold by car rental companies. See the Product Disclosure Statement (PDS) for all terms, conditions, exclusions, limits and applicable sub-limits that may apply.

What does it cover?

Rental Vehicle Excess cover 1 is included as a standard benefit in all Allianz Comprehensive , Multi-Trip and Domestic Travel Insurance plans policies at no added cost.

This is a limited summary of some of our Rental Vehicle Excess covers only. Terms, conditions, exclusions, limits and applicable sub-limits apply. For full details and before making a decision, consider the relevant Product Disclosure Statement (PDS) .

• Benefits we offer
• Excess payment If your rental vehicle is involved in an accident while it’s being driven by you and you're the nominated driver, or it’s damaged or stolen while in your custody, we’ll pay you the lesser of (up to your benefit limit) 1 :
• the amount specified that you’re liable to pay under the rental vehicle agreement, or
• the property damage for which you’re liable.

If you’re diagnosed by the treating medical adviser as unfit to return your rental vehicle to the nearest depot, we’ll pay the cost of returning the vehicle (up to the applicable benefit limit). Note: This cover only applies if:

• you hire a rental vehicle from a rental company or agency;
• you’re a nominated driver on the rental vehicle agreement; and
• the rental vehicle agreement specifies a maximum amount that you must pay if the rental vehicle is damaged or stolen. 
• More than just cars Rental vehicle means a campervan/motorhome that does not exceed 4.5 tonnes, a sedan, coupe, hatchback, station-wagon, SUV, four-wheel drive or minibus/people mover, rented from a licensed rental company or agency. Rental vehicle doesn’t include any vehicle other than those listed, irrespective of use or weight.
• All licensed rental companies Your policy covers the excess (up to your benefit limit) 1 charged by any licensed motor vehicle rental company. This includes all the major car hire brands such as Avis , Budget , Enterprise , Europcar , Hertz and Thrifty .

Why choose us?

Thousands of satisfied customers, network of medical experts, emergency assistance available, we’re an established insurer, ready to get started, frequently asked questions.

If you buy an Allianz Travel Insurance policy and select a plan that includes the Rental Vehicle Excess benefit, you can claim in the event you’re required to pay an excess, deductible or damage liability fee to a car rental company if your rental car is accidentally damaged or stolen.

Your policy is designed to cover the excess, deductible or damage liability fee charged by any licensed motor vehicle rental company, up to the benefit limit stated in the Benefits Table in the PDS, including all the major car hire brands. Refer to the Product Disclosure Statement (PDS) for details.

Allianz Comprehensive, Multi-Trip, Domestic and Non-Medical Travel Insurance policies provide a benefit for Rental Vehicle Excess cover as an alternative to paying the car rental company’s increased fees to lower the excess.

You’ll need to assess your requirements and financial situation before buying a policy.

We're here to help

Give us a call, or send us a message, follow us on, *conditions apply.

• Terms, conditions, exclusions, limits and applicable sub-limits apply. Refer to Rental Vehicle Excess in the  Product Disclosure Statement (PDS) for full details.
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Any advice here does not take into account your individual objectives, financial situation or needs. Terms, conditions, exclusions, limits and applicable sub-limits apply. Before making a decision about this insurance, please consider the relevant Product Disclosure Statement (PDS)/Policy Wording and Supplementary PDS (if applicable). Where applicable, the PDS/Policy Wording, Supplementary PDS and Target Market Determination (TMD) for this insurance are available on this website.

Travel Insurance is issued and managed by AWP Australia Pty Ltd ABN 52 097 227 177 AFS Licence No. 245631, trading as Allianz Global Assistance (AGA) as agent of the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 (Allianz). Travel Insurance is underwritten by the insurer Allianz. Terms, conditions, exclusions, limits and applicable sub-limits apply.

+ The 10% off Travel Insurance ‘GETAWAY’ discount is available from 09:00am AEST 23/05/2024 until 11:59pm AEST 07/06/2024 by entering the valid promo code. The discount applies to new policy purchases and is based on standard premium rates (including optional extras). It applies automatically upon successful input of the promo code and applies to any changes, upgrades or amendments made to the policy prior to commencement of the journey. The discount may apply to changes made after commencement of the journey, contact Allianz Global Assistance to find out more. Not to be used in conjunction with any other offer.

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Travel Ace Plan

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Reference ID should be 11 characters and should start with first 3 characters as alphabets

What’s in it for you?

Accidental & Medical cover

Trip cancelation cover

Trip Extension cover

What is Travel Ace Plan?

Comprehensive Insurance for Carefree Travel, Travel Ace is the perfect travel insurance plan for those travelling internationally. With one flexible plan, you can mitigate a wide range of medical expenses covered, including hospital charges and incidental expenses. Get the medical assistance you need when you need it the most, without worrying about the costs.

The Travel Ace  travel insurance will be by your side. The Travel Ace is available in a wide range of plans to suit your inherent needs:

1. Travel Ace Standard - USD 50,000 2. Travel Ace Silver - USD 1,00,000 3. Travel Ace Gold - USD 200,000 4. Travel Ace Platinum - USD 500,000 5. Travel Ace Super Age - USD 50,000 6. Travel Ace Corporate Lite - USD 250,000 7. Travel Ace Corporate Plus - USD 500,000

• Policy Information
• Travel Ace Plan Claim Process
• Frequently Asked Questions

How is the Travel Ace Plan different?

Optional coverage areas.

The Travel Ace covers over 42 optional coverage areas and has 5 different extensions available. It is one of the very few policies not restricted by geographic limitations. 

The Medical Coverage Span

Medical expenses for accidents and sickness are separated for higher coverage. The medical coverage can be as high as USD 2 million. 

Cover Pre-Existing Diseases

One of the very few travel insurance policies which cover pre-existing diseases and illnesses. 

75 Days cover for hospitalization

No additional charges for up to 75 days of hospitalization after the policy expires. 

Coverage for cancellation of trips.

Coverage for all forms of cancellation for trips.

No Pre-Policy Check-up

No mandatory pre-policy check-up

Covers Delayed Luggage

Delayed of checked baggage are also covered while returning to your native country

Discounts On Premiums

People travelling with the insured person can get discounts on the premium as per the following details for a matching plan and same trip duration:

Why Travel Insurance ACE Plan?

Bajaj Allianz is regarded among India's top 10 insurance companies, with a claim reimbursement ratio of over 98%. You can file your claim using any of the given channels convenient to you:

1. cashless travel insurance, 2. reimbursement claim process, 3. documentation for claims.

1. You can file cashless claims for medical expenses exceeding USD 500 and reimbursement claims for the same under USD 500.

2. You can submit all the relevant documents on our platform and initiate the verification process

3. Post successful verification, the hospital and you will receive a payment guarantee notification.

4. If we need more data to verify your claim, you will be requested to do so on time.

1. You can close the entire claim cycle within 10 days with a comprehensive and accurate documentation process.

2. Aggregate all the relevant documents and upload them to BAGIC HAT.

3. Post verification, our team will process your payment within 10 days of approval. You will receive it in your registered bank account via NEFT.

4. Our team will request any necessary but missing documents and provide you with a 45-day window to provide them. You will also receive a reminder every 15 days during this period. If you fail to furnish the necessary documents in this period, your claim request will be closed. 

We highly recommend you to use the Caringly Yours app for trip delay delight. The app keeps track of the delay in your flight, does not require any physical documentation, and automatically processes your reimbursement.

To initiate a claims process, please get in touch with our team using any of these numbers:

• 1800-209-0144
• 1800-209-5858

GOT A QUESTION? HERE ARE SOME ANSWERS THAT MIGHT HELP

What is the travel ace plan.

Travel Ace is one of the most comprehensive travel insurance plans covering a wide range of risks - from loss of luggage to medical coverage to even emergency cash assistance. Travel Ace adds an additional layer of security with over 42 coverage areas without any geographic limits and makes your next voyage securer. 

How is the Travel Ace Policy Different from Other Travel Insurance Policies?

Travel Ace is different on several grounds:

• 42+ coverage areas and 5 extensions.
• Discount for travelling partners.
• Pre-existing disease and illness inclusion in specific policy variants.
• Separated accident and sickness medical expenses for added coverage.
• No geographic limitations.
• Backed by the seamless Bajaj Allianz experience of discovering, buying, and claiming insurance. 

What are the Benefits of Travel Ace?

Travel Ace gives a wide range of benefits such as:

• Comprehensive coverage against medical, travel, and monetary risks on your foreign trip.
• Additional coverage made available with 42+ optional coverages.
• Specific policy variants are designed to suit the needs of the elderly. 

Do I Really Need Travel Insurance?

The short answer is – Yes. If you are travelling to Schengen Countries, you will anyway need travel insurance. However, getting travel insurance has benefits beyond being compliant with the laws of the land. It helps you:

• Get the required medical attention without diluting your savings.
• Get access to cash and resources when necessary.
• Get compensated for the loss of baggage and passport when their safety is outside your purview.
• Focus on the agenda of your trip, so you are never worried about the potential medical, travelling, cancellation, or other pertinent risks. 

Does the Travel Ace Policy Offer Coverage for COVID-19?

Yes. You can get:

• Up to USD 10,000 worth of coverage if you are hospitalized due to COVID-19 in a foreign country if you are under 70 years of age.
• If you are over 70 years of age, you can get up to USD 3,000 for COVID-19-included hospitalization.
• For home quarantine in a foreign location due to COVID-19, you can get up to USD 3,000 in coverage.

The coverage will be valid only on satisfaction of the terms & conditions mentioned in your insurance agreement.

Can Pre-Existing Diseases Be Covered Under the Travel Ace Plan?

Yes. Certain policy variants cover pre-existing diseases and injuries.

Which Countries Are Covered by the Travel Ace Policy?

All the countries except the ones forbidden by the Government of India for travelling purposes are covered by the Travel Ace plan.

How Long Does It Take to Receive the Policy Document After Buying It?

If you buy the Travel Ace plan on the Bajaj Allianz website or Caringly Yours mobile app, you will get the policy documents instantly as soon as you have made a successful payment. 

Is the Travel Ace Plan Applicable for Schengen Countries?

Yes. The Travel Ace Plan is valid for Schengen Countries.

Are There Any Cancellation Charges?

You can terminate the policy any time before the Risk Period begins by providing an application in writing with the necessary documents. After deducting ₹250 as the cancellation fee and applicable taxes, you will receive the premium you have already paid. 

Travel Ace at a Glance

The policy's duration depends on whether you are taking single-trip insurance or multi-trip insurance, as well as the room for extensions. The Travel Ace plan is designed to help you make your trip more fulfilling by including your family members. You can add members to the Travel Ace plan and get up to a 10% discount on the premium as far as the travelling tenure and the insurance variant chosen by them is identical to yours. The policy is open to unlimited extensions as far as the net duration for the policy is less than or equal to 360 days. 

Corporate Plus

Platinum plan, corporate lite, silver plan, standard plan, travel ace corporate plus (usd 500,000).

1. Age Group Covered: 0 to 70 Years.

2. International Personal Accident Cover of up to  (USD)  10,000.

5. Accidental, Death, and Disability cover up to (USD) 6,000.

6. Personal Accident Cover in India of up to ₹ 200,000.

7. Sickness Medical Exigencies of up to (USD) 500,000 (USD 100 Deductible).

8. Accidental Medical Exigencies of up to  (USD) 500,000 (USD 100 Deductible).

9. Emergency Dental Care of up to  (USD) 500 (USD 25 Deductible).

10. Daily allowance during hospitalization:  (USD) 50/day for up to 7 days.

11. Trip & Event Cancellation coverage of up to (USD) 2000.

12. Trip Interruption coverage of up to (USD) 750.

13. Loss of Checked-In Baggage is covered up to ₹ 750. Delay of checked-in baggage is also covered with (USD) 100/10 hrs in a foreign location and ₹1000/10 hrs in India.

14. Personal Liability of up to (USD) 100,000.

15. Coverage for loss of passport and driving license of up to (USD) 400.

16. Golfer’s Hole-in-One coverage for anywhere in the US Golfers’ Association recognized golf courses worth up to (USD) 300.

17. Hijack Cover of up to (USD) 3,000.

18. Home Burglary & Robbery Insurance:

a. Up to ₹ 150,000 each for portable equipment other than laptop, and all other equipment.

19. Standard Fire & Special Perils Cover:

20. Trip Delay Delight of up to (USD) 80/6 hrs

21. Emergency Cash Assistance Service of up to (USD) 1000.

22. Bounced hotel coverage of up to (USD) 500.

23. Trip Extension coverage of up to (USD) 750.

Optional Coverage :

Extended Pet Stay (INR), Lifestyle Modification Benefit, Child Education Benefit, Missed  Connection Coverage, Legal Expenses, Loss of Personal Belongings (Mobile, Laptops, and iPads), Car Hire Excess Insurance, Compassionate Visit or Stay, Ticket Overbooking, Display Benefit Cover, Replacement & Rearrangement of Staff, Alternative transport expenses and Waiver of Sub-Limits.

Sub-Limits :

Applicable to people above 50 years of age and seeking OPD or hospitalization.

1. Hospital Room, Emergency Room, and Boarding & Hospitalization: (USD) 1700 per day.

2. ICU: (USD) 2500 per day.

3. Surgical Treatment: (USD) 11,500 and 25% of Surgical Treatment cost for Anaesthetic Services.

4. Consultation Charges of up to (USD) 200 per visit.

5. Diagnostic & Testing charges of up to (USD) 1500.

6. Ambulance Services of up to (USD) 500.

Travel Ace Platinum (USD 500,000)

2. International Personal Accident Cover of up to  (USD) 25,000.

3. Lifestyle Modification Benefit of up to  (USD) 10,000.

4. Child Education Benefit of up to  (USD) 8,000.

5. Accidental, Death, and Disability cover up to  (USD) 10,000.

6. Personal Accident Cover in India of up to ₹ 10,00,000.

7. Sickness Medical Exigencies of up to (USD) 500,000 (USD 100 Deductible) alongside Pre-Existing Illness coverage of up to (USD) 5000 (USD 100 Deductible).

9. Emergency Dental Care of up to (USD)  500 (USD 25 Deductible).

10. Daily allowance during hospitalization: (USD)  100/day for up to 7 days.

11. Trip & Event Cancellation coverage of up to (USD) 5000. 

12. Trip Interruption coverage up to (USD) 2000.

13. Loss of Checked-In Baggage is covered up to ₹ 1000. Delay of checked-in baggage is also covered with (USD) 300/6 hrs in a foreign location and ₹3000/6 hrs in India.

14. Personal Liability coverage of up to  (USD) 200,000.

15. Coverage for loss of passport and driving license of up to (USD)  500.

16. Golfer’s Hole-in-One coverage for anywhere in the US Golfers’ Association recognized golf courses worth up to (USD) 1000.

17. Hijack Cover of up to  (USD) 10,000.

a. Up to ₹ 500,000 for portable equipment other than laptop and ₹ 400,000 for other equipment and up to ₹ 100,000 for laptop.

a. Up to ₹ 500,000 each for portable equipment other than laptop and other equipment and up to ₹ 100,000 for laptop.

20. Trip Delay Delight Platinum of up to  (USD) 150/4 hrs.

21. Emergency Cash Assistance Service of up to (USD) 1500.

22. Missed Connection coverage of up to (USD) 300.

23. Bounced hotel coverage of up to (USD) 500.

24. Trip Extension coverage of up to (USD) 1500.

25. Legal Expense coverage of up to (USD) 1000.

26. Weather Guarantee of up to (USD) 500.

27. Extended Pet Stay (INR) covered up to 3,000.

28. Loss of Personal Belongings (Mobile, Laptops, and iPads) coverage of up to  (USD) 1500.

29. Car Hire Excess Insurance of up to 50 and Alternative Transport Expenses of up to  (USD) 200.

30. Compassionate Visit of up to (USD)  1000.

31. Compassionate Stay of up to  (USD) 1000.

32. Return of Minor Child coverage of up to  (USD) 1000.

33. Ticket Overbooking coverage of up to  (USD) 200.

Sporting Activities, Display Benefit Cover, Replacement & Rearrangement of Staff, Pre-Existing Injury, and Waiver of Sub-Limits.

1. Hospital Room, Emergency Room, and Boarding & Hospitalization: (USD) 1700 per day.

2. ICU:  (USD) 2500 per day.

3. Surgical Treatment coverage of up to  (USD) 11,500 and 25% of Surgical Treatment cost for Anaesthetic Services.

4. Consultation Charges of up to  (USD) 200 per visit.

5. Diagnostic & Testing charges of up to  (USD) 1500.

6. Ambulance Services of up to  (USD) 500.

Travel Ace Corporate Lite ( USD 250,000)

 1. Age Group Covered: 0 to 120 Years.

2. International Personal Accident Cover of up to  (USD) 10,000.

5. Accidental, Death, and Disability cover of up to  (USD) 5,000.

6. Personal Accident Cover in India of up to ₹ 100,000.

7. Sickness Medical Exigencies of up to 250,000 (USD 100 Deductible).

8. Accidental Medical Exigencies of up to  (USD) 250,000 (USD 100 Deductible).

10. Daily allowance during hospitalization: (USD) 50/day for up to 7 days.

11. Trip & Event Cancellation coverage of up to (USD) 1000.

12. Trip Interruption coverage of up to (USD) 500.

13. Loss of Checked-In Baggage is covered up to ₹ 500. Delay of checked-in baggage is also covered with  (USD) 100/10hrs in a foreign location and ₹ 1000/10hrs in India.

14. Personal Liability of up to (USD) 100,000.

15. Coverage for loss of passport and driving license of up to (USD)  300.

16. Golfer’s Hole-in-One coverage for anywhere in the US Golfers’ Association recognized golf courses worth up to  (USD) 300.

17. Hijack Cover of up to  (USD) 2,000.

a. Up to ₹ 100,000 each for portable equipment other than laptop, and all other equipment.

20. Trip Delay Delight of up to (USD) 80/6 hrs.

21. Emergency Cash Assistance Service of up to  (USD) 1000.

22. Bounced hotel coverage of up to (USD)  500.

23. Trip Extension coverage of up to  (USD) 750.

Extended Pet Stay (INR), Lifestyle Modification Benefit, Child Education Benefit, Missed Connection Coverage, Legal Expenses, Loss of Personal Belongings (Mobile, Laptops, and iPads), Car Hire Excess Insurance, Compassionate Visit or Stay, Ticket Overbooking, Display Benefit Cover, Replacement & Rearrangement of Staff, Alternative transport expenses and Waiver of Sub-Limits.

3. Surgical Treatment: (USD)  11,500 and 25% of Surgical Treatment cost for Anaesthetic Services.

Travel Ace Gold ( USD 200,000)

2. International Personal Accident Cover of up to (USD)  15,000.

3. Lifestyle Modification Benefit of up to  (USD) 6,000.

4. Child Education Benefit of up to  (USD) 4,000.

5. Accidental, Death, and Disability cover up to (USD)  7,000.

6. Personal Accident Cover in India of up to ₹ 500,000.

7. Sickness Medical Exigencies of up to (USD) 200,000 (USD 100 Deductible).

8. Accidental Medical Exigencies of up to  (USD) 200,000 (USD 100 Deductible).

10. Daily allowance during hospitalization:  (USD) 75/day for up to 7 days.

12. Trip Interruption coverage of up to (USD) 1000.

13. Loss of Checked-In Baggage is covered up to ₹ 750. Delay of checked-in baggage is also covered with (USD) 200/8 hrs in a foreign location and ₹2000/8 hrs in India.

14. Personal Liability of up to  (USD) 150,000.

15. Coverage for loss of passport and driving license of up to  (USD) 400.

15. Golfer’s Hole-in-One coverage for anywhere in the US Golfers’ Association recognized golf courses worth up to  (USD) 500.

16. Hijack Cover of up to  (USD) 5,000.

17. Home Burglary & Robbery Insurance:

a. Up to ₹ 200,000 each for portable equipment other than laptop and other equipment and up to ₹ 100,000 for laptop.

18. Standard Fire & Special Perils Cover:

19. Trip Delay Delight of up to (USD) 120/5 hrs.

20. Emergency Cash Assistance Service of up to  (USD) 1000.

21. Missed Connection coverage of up to  (USD) 300.

22. Bounced hotel coverage of up to  (USD) 500.

23. Trip Extension coverage of up to  (USD) 1000.

24. Legal Expense coverage of up to  (USD) 1000.

25. Weather Guarantee of up to  (USD)  200.

26. Extended Pet Stay (INR) covered up to 3,000.    

Loss of Personal Belongings (Mobile, Laptops, and iPads), Car Hire Excess Insurance, Compassionate Visit or Stay, Return of Minor Child, Ticket Overbooking, Sporting Activities, Display Benefit Cover, Replacement & Rearrangement of Staff, Alternative transport expenses and Waiver of Sub-Limits.

1. Hospital Room, Emergency Room, and Boarding & Hospitalization:  (USD) 1500 per day.

3. Surgical Treatment:  (USD) 9,000 and 25% of Surgical Treatment cost for Anaesthetic Services.

5. Diagnostic & Testing charges of up to  (USD)  1250.

6. Ambulance Services of up to  (USD)  400.

Travel Ace Silver ( USD 100,000)

2. International Personal Accident Cover of up to (USD) 12,000.

3. Lifestyle Modification Benefit of up to (USD) 5,000.

4. Child Education Benefit of up to (USD) 3,000.

5. Accidental, Death, and Disability cover up to (USD) 6,000.

7. Sickness Medical Exigencies of up to (USD) 100,000 (USD 100 Deductible).

8. Accidental Medical Exigencies of up to  (USD) 100,000 (USD 100 Deductible).

11. Trip & Event Cancellation coverage of up to (USD) 1500. 

12. Trip Interruption coverage of up to (USD) 750.

13. Loss of Checked-In Baggage: ₹ 500. Delay of checked-in baggage is also covered with (USD) 100/10 hrsin a foreign location and ₹ 1000/10 hrs in India.

15. Coverage for loss of passport and driving license of up to (USD) 300.

16. Golfer’s Hole-in-One coverage for anywhere in the US Golfers’ Association recognized golf courses worth up to (USD) 300.

a. Up to ₹ 150,000 each for portable equipment other than laptop and other equipment and up to ₹ 100,000 for laptop.

20. Trip Delay Delight of up to  (USD) 100/6 hrs.

22. Missed Connection coverage of up to  (USD) 300.

23. Bounced hotel coverage of up to  (USD) 400.

24. Trip Extension coverage of up to  (USD) 750

Legal Expenses, Weather Guarantee, Extended Pet Stay (INR), Loss of Personal Belongings (Mobile, Laptops, and iPads), Car Hire Excess Insurance, Compassionate Visit or Stay, Return of Minor Child, Ticket Overbooking, Sporting Activities, Display Benefit Cover, Replacement & Rearrangement of Staff, Alternative transport expenses and Waiver of Sub-Limits.

Sub-Limits : 

1. Hospital Room, Emergency Room, and Boarding & Hospitalization: (USD) 1500 per day.

5. Diagnostic & Testing charges of up to  (USD) 1250.

6. Ambulance Services of up to  (USD)  400.    

Travel Ace Super Age (USD 50,000)

1. Age Group Covered: 70+ Years.

2. International Personal Accident Cover of up to (USD) 10,000.

3. Accidental, Death, and Disability cover of up to (USD) 2,000.

7. Sickness Medical Exigencies of up to (USD) 50,000 (USD 100 Deductible).

8. Accidental Medical Exigencies of up to  (USD) 50,000 (USD 100 Deductible).

12.  Trip Interruption coverage of up to (USD) 500.

13. Loss of Checked-In Baggage is covered up to ₹ 500. Delay of checked-in baggage is also covered with (USD) 200/8hrs in a foreign location and ₹ 2000/8 hrs in India.

14. Personal Liability coverage of up to  (USD) 100,000.

15. Coverage for loss of passport and driving license of up to  (USD) 250.

16. Hijack Cover of up to  (USD) 3,000.

19. Trip Delay Delight of up to  (USD) 80/6 hrs.

20. Emergency Cash Assistance Service of up to  (USD)  1000.

23. Trip Extension coverage of up to (USD)  1000.

24. Compassionate Visit and Compassionate Stay coverage of up to  (USD)  1,000 each.

25. Ticket Overbook coverage of up to  (USD) 200.

Legal Expense, Weather Guarantee, Golfer’s Hole-in-One, Loss of Personal Belongings (Mobile, Laptops, and iPads), Car Hire Excess Insurance,  Extended pet stay (INR), Alternative transport expenses and Waiver of Sub-Limits.

Applicable to people above 70 years of age and seeking OPD or hospitalization.

1. Hospital Room, Emergency Room, and Boarding & Hospitalization:  (USD) 1200 per day.

2. ICU: (USD)  2000 per day.

3. Surgical Treatment: 8,000 and 25% of Surgical Treatment cost for Anaesthetic Services.

4. Consultation Charges of up to (USD)  150 per visit.

5. Diagnostic & Testing charges of up to  (USD) 1000.

6. Ambulance Services of up to  (USD) 300.

Travel Ace Standard (USD 50,000)

3. Lifestyle Modification Benefit of up to  (USD) 3,000

4. Child Education Benefit of up to  (USD) 2,000.

7. Sickness Medical Exigencies of up to (USD) 50,000 (USD 100 Deductible).

11. Trip and Event Cancellation: (USD) 1000

12.  Trip Interruption:  (USD) 500

13. Loss of Checked-In Baggage: ₹ 500. Delay of checked-in baggage is also covered with (USD) 100/10 hrs in a foreign location and ₹ 1000/10 hrs in  India.

14. Personal Liability of up to  (USD) 50,000.

15. Coverage for loss of passport and driving license of up to  (USD) 300.

a. Up to ₹ 100,000 each for portable equipment other than laptop, and other equipment.

20. Trip Delay Delight of up to  (USD) 80/6 hrs. 

21. Emergency Cash Assistance Service of up to  (USD) 500.

22. Missed Connection coverage of up to  (USD) 250.

Bounced Hotel, Trip Extensions, Legal Expenses, Weather Guarantee, Extended Pet Stay (INR), Loss of Personal Belongings (Mobile, Laptops, and iPads), Car Hire Excess Insurance, Compassionate Visit or Stay, Return of Minor Child, Ticket Overbooking, Sporting Activities, Display Benefit Cover, Replacement & Rearrangement of Staff,  alternative transport expenses and Waiver of Sub-Limits.

1 Hospital Room, Emergency Room, and Boarding & Hospitalization:  (USD) 1200 per day.

2 ICU:  (USD) 2000 per day.

3 Surgical Treatment: (USD)  8,000 and 25% of Surgical Treatment cost for Anaesthetic Services.

4 Consultation Charges of up to  (USD) 150 per visit.

5 Diagnostic & Testing charges of up to  (USD) 1,000.

6 Ambulance Services of up to  (USD) 300.

Important Points to note before buying Travel Ace Insurance?

Legal Expenses

Weather Guarantees

Extended Pet Stay (Covered in INR)

Loss of Personal Belongings such as Mobile, Laptops, and iPads

Car Hire Excess Insurance

Compassionate Visit or Stay

Return of Minor Child

Ticket Overbooking

Sporting Activities

Display Benefit Cover

Replacement and Rearrangement of Staff

Waiver of Sub-Limits Applicable to All Individuals Above 50 

Years of Age Seeking OPD/Hospitalization.

Pre-Existing illnesses and injuries are covered only in specific policies. For all policies which do not state explicit inclusion, both pre-existing illnesses and injuries are excluded. 

Any incident, injury, or loss because of substance abuse in the form of drugs or alcohol will not be covered.

Any damages resulting from human activities such as nuclear testing/attacks, war, terrorism, or riots will not be covered.

Medical treatment for HIV/AIDS, as well as an alternative treatment, cosmetic treatment, or treatment becoming essential due to self-harm or beyond a licensed doctor's medical advice, will not be covered. 

Loss incurred due to unattended luggage or passport will not cover. If the luggage is not dispatched alongside the insured, any damage or loss incurred to the luggage will not be covered.

Adventure sports performed in professional capacity.

Adventure sports activity that is not under the supervision of a trained professional.

Download Travel Ace Insurance Documents

• Policy wordings
• Proposal form

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Summary of Key Coverages

International Personal Accident Cover to help you recover from personal damages incurred during an accident in a foreign location.

Lifestyle Modification Benefits include the additional costs you have to bear to make necessary changes in your lifestyle and assets after an accident or emergency. 

Child Education Benefits is the compensation released for your children's welfare if you meet an unfortunate event during the international trip. 

Accidental, Death, and Disability compensate for demise or critical damage to bodily functions caused due to an accident during an international trip.

Personal Accidental Cover in India provides compensation to cover all the personal expenses incurred due to an accident in India. 

Sickness or Accidental Medical Exigencies cover the cost of medical attention required to post an unforeseeable sickness or accident in a foreign location. 

Emergency Dental Care covers the cost of non-cosmetic dental expenses for stopping pain, bleeding, or loss of teeth. 

Daily Allowance during Hospitalization covers the non-medical or survival expenses incurred during a stay in the hospital. 

Tip & Event Cancellation covers the cost incurred when the trip is cancelled for unforeseeable reasons. Trip Interruption covers only the costs incurred due to an intermittent gap in the journey that was not planned earlier. 

Loss or Delay of Checked-In Baggage provides compensation for a fixed set of hours for which the baggage was delayed or lost, post the check-in. 

Personal Liability Cover includes any liability on the insured to incur medical or property damage expenses due to inclusion in an overseas accident. 

Golfer’s Hole-in-One covers the expenses incurred to play a US Golfer’s Association-recognized golf course under a predetermined limit. 

Hijack Cover includes the compensation paid to the insured if the plan she/he/they used to travel is hijacked during the commute. 

Home Burglary & Robbery insurance covers replacing portable equipment such as laptops and other equipment stolen when the insured individual is off to the trip.

Standard Fire & Special Perils covers the cost of replacing portable equipment such as laptops and other equipment which are damaged beyond reasonable repair when the insured individual is off to the trip.

Trip Delay Delight provides compensation on a fixed hourly basis if the trip is delayed for any reasons outside the insured individuals’ control. 

Emergency Cash Assistance Service provides direct access to cash in a foreign location for emergency purposes. 

Missed Connection coverage provides compensation if the insured individual misses a connecting flight for reasons outside her/his/their control.

Coverage for Loss of Passport and Driving License compensate for the loss of passport or driving license of the insured person for no causal error of her/his/their own. Similar coverage in principle is provided under the Loss of Personal Belongings cover for mobiles, laptops, and iPads. 

Things to check while Buying a Travel Insurance Plan?

Here are a few things to look into before you choose the variant of the travel ace plan for your next journey:.

Seniors tend to attract a higher premium. Use this to optimize your clubbed insurance plan.

Ideally, avoid travelling to countries with high political or climate risks. Your insurance premium will be higher, and if a man-made event causes damages, your claims might even get rejected.

One-time and long trips will attract higher premiums. If you plan to travel frequently in a given year, consider a multi-trip plan. In terms of the itinerary, the lesser risk you put yourself into, the lesser premium you end up paying on the insurance.

Make a list of requirements you seek. Then, add a few in terms of add-ons. And now compare the insurance carriers who can cover your needs. The sum insured will be the total sum you are insured for. 

Check the convenience of the claim settlement process and the claim settlement ratio. Also, make sure you read the entire list of exclusions – the conditions mentioned in your insurance agreement that show the instances under which you will not be eligible for the insured sum. 

The Schengen Countries have some unique requirements for travel insurance plans. Read them carefully and see if your insurance plan matches them.

Understand the policies around pre-existing conditions and pre-policy tests conducted before your premium is locked.

Buy multi-trip and group insurance early to minimize the unitary costs of the insurance plan.

How to Find the Premium for your Travel Insurance Plan

You can easily calculate the tentative insurance premium for your Travel Ace plan. Here is how to do it:

Click here and access the Bajaj Allianz Travel Insurance Premium Calculator.

Add your active name, phone number, and email address. Mention your country of residence accurately.

That’s all! You will soon receive a tentative quote for your Travel Ace premium.

The actual cost of the insurance will depend on a broad set of factors such as your age, travel destination, duration of the trip, number of travellers in the plan, and the add-ons you choose. 

Steps To Buy Travel Ace Policy Plan?

1.      Visit the Bajaj Allianz website, select travel insurance, and then choose the category befitting your needs.

2.      Provide your full name and choose from the types of policies available for Leisure, Business Multi-Trip, and Student.

3.      Add your Date of Birth, Date of Departure, Date of Return, Destination, and the existing Pin Code. 

4.      Get the virtual quote and the option to select a plan. Now, you can choose the add-ons you need and make the payment. 

5.      Post successful payment, you will get the insurance policy documents over email. 

1.      Download the app and log in with a valid account ID and password. 

2.     Choose travel insurance and add your name, DOB, journey dates, and existing pin code. 

3.    Get an instant quote on your phone and select the befitting plan with add-ons. 

4.     Make a successful payment and receive the insurance documents over email. 

Visit the nearest Bajaj Allianz office and get in touch with our dedicated team. They will walk you through the entire process with a designated representative at your service. 

Customer Reviews & Ratings

Average Rating:

(Based on 5,340 reviews & ratings)

David Williams

Pretty smooth process. Hassle free process while buying travel insurance

Satwinder Kaur

I like your online service. I am happy with that.

Madanmohan Govindarajulu

Straight forward online travel insurance quote and price. Easy to pay and buy

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Written By: Bajaj Allianz - Updated: 21 st  December 2022

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Snowbird Advisor Insurance

COVID-19 Travel Insurance Coverage Options - UPDATE LEARN MORE

The Insurance Specialists for Snowbirds, Boomers and Seniors

Reduce the cost of your travel medical insurance by claiming a tax credit.

Canadian travellers may be eligible to get some money back for travel medical insurance premiums

Travel insurance can be expensive, particularly if you travel for extended periods of time, have pre-existing health conditions, or are a more mature traveller.

Fortunately, Canadian travellers may be eligible to recoup some of the cost of your travel medical insurance premium by claiming it for a CRA Medical Expense Tax Credit on your income tax return.

Medical Expense Tax Credits allow you to reduce your income tax liability by claiming travel medical insurance premiums and other eligible medical expenses on your tax return and meeting certain eligibility requirements.

Make sure you speak to your accountant to get professional advice on claiming your travel medical insurance premium as a Medical Expense Tax Credit:

In the meantime, here are a few things to keep in mind about Medical Expense Tax Credits:

• Only travel medical insurance is eligible to be claimed. Other types of travel insurance like trip cancellation/interruption insurance and baggage insurance are not eligible for Medical Expense Tax Credits. If you have an all-inclusive travel insurance policy that covers medical, cancellation/interruption and baggage, only the amount related to the medical portion of your premium is eligible for the credit. If you purchased your policy from Snowbird Advisor Insurance , you can find your total premium in the confirmation package you received at the time you purchased your policy .
• You’ll need a copy of your travel medical insurance receipt/confirmation to prove to CRA how much your premium cost and that your insurance policy was eligible for a tax credit.
• You can claim other eligible medical expenses you incur inside and outside Canada, as long as you were not reimbursed for those expenses (i.e. under an insurance plan).
• Only medical expenses that exceed a minimum dollar value threshold prescribed by the government are eligible for the tax credit.
• Any tax credit you receive won’t be for the full amount of your eligible expenses, as the government only allows you recoup a percentage of your expenses.

The bottom line is that while you won’t be able to recoup the full amount of your travel medical insurance premiums by claiming them on your tax return, it can still be a fast and easy way to save some money.

You can learn more about Medical Expense Tax Credits here.

Disclaimer:  The material provided in the Snowbird Advisor Insurance Learning Centre is for informational purposes only and does NOT constitute insurance, legal, financial or other advice, and should not be relied on as such. If you require such advice, you should speak with a qualified professional to assist you.

Travel Insurance:

Manulife coverage is underwritten by The Manufacturers Life Insurance Company and First North American Insurance Company , a wholly-owned subsidiary of Manulife, PO Box 670, Stn. Waterloo, Waterloo, ON N2J 4B8.* Manulife and the Block design are trademarks of The Manufacturers Life Insurance Company and are used by it and its affiliates under license. 

Blue Cross coverage is underwritten by Canassurance Hospital Service Association and/or Canassurance Insurance Company .*

* Certain terms, conditions, limitations, and exclusions apply, see policies for details. Some products may not be available in all provinces.

Home & Auto Insurance:

Home and Auto insurance is arranged by Canadian Insurance Alliance (2018) Inc. o/a HUB SmartCoverage (all rights reserved) and is underwritten by a number of Canadian insurers.

For more than 20 years, HUB SmartCoverage has worked with some of the largest insurance companies in Canada, servicing the home and auto insurance needs of Canadians in Alberta, Ontario and the Atlantic provinces, as well as providing residents of British Columbia with home insurance solutions.

5 Tips for Choosing Expat Health Insurance

4 Worry-Free Plans when Staying in Thailand

PUBLISHED : 23 May 2024 at 16:40

Health insurance is crucial for everyone, especially for expatriates residing in Thailand who seek high-quality and convenient medical care. Expat health insurance is particularly important for those living in Thailand long-term, whether for work, marriage, retirement, or relocation, and who hold long-term visas, including student visas.

With numerous expat health insurance plans available in the market, finding the right policy for one's lifestyle and to ensure comprehensive coverage, perfect match to an individual’s needs, can be challenging. Initially, one should consider these five essential factors:

1) Daily Activities : For those who enjoy outdoor activities or high-risk sports, look for an expat health insurance plan that includes coverage for sport or adventure-related injuries.

2) Current Health : It is advisable to check whether the expat health insurance plan covers treatments related to specific health conditions and personal medical history. Thoroughly examine the policy for any significant restrictions.

3) Coverage Needs: Assess whether the expat health insurance plan provides the level of coverage you need, from basic to comprehensive and premium care.

4) Budget: Set a budget for expat health insurance and choose a plan that offers the best coverage at price that suits you.

5) Choose a Reliable Insurance Provider: Opt for a trustworthy company that provides extensive coverage, such as Allianz Ayudhya, an insurance brand under the Allianz Group, which is a global insurance company offering expat health insuranc e plans suitable for those working long-term, retirees to Thailand, business owners and entrepreneurs.

In addition to the factors to be considered when selecting the suitable expat health insurance plan, another crucial element, which can inform the decision-making process, is the diversity of insurance plans available. This variety allows for comparison and helps to identify the best value-for-money and most suitable insurance purchase. Allianz Ayudhya offers four of the suitable plans for expatriates, providing annual coverage ranging from 3 million to 200 million Baht, no need for upfront payments. These plans are supported by a hospital network of over 490 healthcare facilities across Thailand. They are:

(1) Ultra Care Plan of expat health insurance hospitalisation covered in full, up to THB 200m per year*. Paid in Full** includes hospital accommodation. No claims discounts of up to 25% at renewal****.

(2) The Beyond Care Plan (Plan 3, 4 ,5 and 6) of expat health insurance cover up to THB 30 million per confinement*. Lifetime renewal***.

(3) Superior Health (Plan 2 and 3) of expat health insurance cover up to THB 10 million per confinement*. Deductible options to reduce your premium up to 60%. Family premium discount 10% when purchase at least 2 family members.

(4) The Max Care Plan  (Plan 6) of expat health insurance cover up to THB 5 million per confinement*. Top-up your cover with Major Medical benefits with 80% of the eligible expenses of the inpatient hospitalisation benefits limit. Room & Board benefit up to THB 12,000 per day with cover for 365 days.

Further details are available at www.allianz.co.th and via Allianz Ayudhya General Insurance 1292 hotline. For inquiries about savings and life insurance, contact Allianz Ayudhya Assurance on 1373, available 24 hours a day.

Coverage by Allianz Ayudhya General Insurance Pcl.

* Examples of the top-tier plan within each health plan. **Paid in full up to the overall plan limit. ***If the applicant applies for the insurance before 60 years old and continuously renews, the policy will receive the right for lifetime renewal but if the applicant applies for the insurance from the age of 60 years and above, they will receive the right to renew the policy until 80 years old. ****Depend upon the terms and conditions in each plan.

- Terms and Conditions of the health plan may apply - The applicant is advised to always study details of coverage and conditions carefully before deciding to buy insurance.

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• Aerospace & Aviation Overview
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• Airline Insurance & Risk Management
• Airshow Insurance
• Drone Insurance
• Glider Insurance
• Gyrocopter Insurance
• Helicopter Insurance
• One Up, One Down Aviation Insurance Policy
• Space & Satellite Insurance
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• Art, Jewellery & Specie Insurance Overview
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• Jewellers Block & Specie Insurance
• Automotive Overview
• Classic Car Restoration Insurance
• Driving Instructor Insurance
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• Self-Drive Car Hire Insurance
• Care Overview
• Care Home Insurance
• Care Insurance
• Children's Home Insurance
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• Fostering & Adoption Agencies
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• Charities & Not For Profit Overview
• Buddhist Temple Insurance
• Charity Insurance
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• Minibus Insurance
• Social Housing Insurance
• Youth Club Insurance
• Construction Overview
• Construction Insurance
• Contractors Insurance
• CPA Members Insurance
• Roofing & Scaffolding Insurance
• Surety Bonds
• Tradesman Insurance
• Education Overview
• Education Insurance
• Schoolshare
• Energy Overview
• Renewable Energy Insurance
• Energy Insurance
• Farming Insurance
• Hospitality, Leisure & Tourism Overview
• Hospitality & Leisure Insurance
• Holiday & Home Parks Overview
• Holiday Home Owner Insurance
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• Holiday & Home Parks Insurance
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• Life Sciences Overview
• Clinical Trials Insurance
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• Breakdown & Recovery Agents
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• Mobile Mechanic Insurance
• MOT & Service Stations Insurance
• Motor Trade Insurance
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• No-Claims Motor Trade Insurance
• Part-Time Motor Trade Insurance
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• Service and Repair Garage Insurance
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• Office Locations

Adapting to Change with Allianz Trade: Mitigating Risks and Protecting your Business

23 may 2024.

The domino effect of this can create extensive and unwanted consequences. If a customer goes into administration, there might be a risk of unpaid invoices. If a supplier ceases trading, a business could face a significant increase in supply chain costs. Every change can have a ripple effect.

Register for our webinar, where we will be joined by Allianz Trade, one of the world’s leading credit insurers to discuss:

• What is happening in the UK & Global Economies.
• How this impacts insolvencies with the ‘domino effect’ putting organisations, even those with a strong balance sheet, at risk.
• How the insurance market is evolving - Exploring the latest developments, emerging trends and underwriting practices.
• What is credit insurance? Understanding its importance in mitigating financial risks.

Date & Time: Tuesday 11 th June 2024 at 11am – 11:45am

Who Should Attend?

This webinar is recommended for CFOs, FDs, and individuals who have the responsibility of managing the financial health and balance sheet of their organisation. If you are unable to attend the live session, you can still register and receive a recording of the webinar to watch at a time that suits you.

June 1, 2020

Due to travel restrictions, plans are only available with travel dates on or after

Due to travel restrictions, plans are only available with effective start dates on or after

Ukraine; Belarus; Moldova; North Korea; Russia; Israel

This is a test environment. Please proceed to AllianzTravelInsurance.com and remove all bookmarks or references to this site.

Use this tool to calculate all purchases like ski-lift passes, show tickets, or even rental equipment.

What Does Rental Car Insurance Cover?

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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